...my cousin's son (D), he of the phone calls, walks in last night and tells my cousin (M):

D: Mom, I have been thinking, and, I will get a credit card for myself....(remember the kid is 16, has just quit school after failing 9th grade for the 2nd time and is not working--nor willing to work!)

M: oh, really? ...and just how do you think you're going to do that?

D: I know I can do that, mom. What do you think my credit card limit will be? $1,000? 2,000? (I have a limit of $2,000 after 10 years of having a credit story -- which used to be very good -- and with a salary of $1,200/month!!-- which is what I used to make at the old job!)

M:...er, IF you were working and making at least minimum wage, you'd be lucky if you got $200-$300....and then, remember, if you spend that on one day, that's it, you cannot use the card anymore until you pay that...

D: pay??...you mean you have to pay it back???

M: of course you do, what'd you think, that a cc was free money??

D: er...yes.

M: well, it's not. And, actually, you don't only pay back what you used, but you have to pay interest on it, which means that, depending on how long you take to pay it, you may end up paying up to twice as much as you used, if not more.

D: really?? blood-sucking vampires! Thieves!

M: yes, that's the way it works, and that is why your aunt gets so mad that she has to pay for YOUR phone bill instead of paying her CC.

D:...hmmm...well, I'll get a cc for myself anyway.

The word CLUELESS comes to mind!