<prompt> Human: Heading to college this fall and would like to hear this subs opinion. Some basic info:Already have a safe amount of money in checking account for expenses.Will be receiving 300month from Air Force due to scholarship.Planning on a budget of using 50 max a month on personal things eating out, random Amazon purchases, etc., saving another 50 and then sending the remaining 200 home to help pay for school.Im highly interested in the Discover Student Card, or really any card with no annual fee, but my parents say I should wait a year to mature and other parental reasons, I guess and just use their credit card information for purchases. Should I wait? Or do yall think I should be just fine getting one now? Id also like to say now that Im a very light spender and likely wont be using that 50 max every month.  <response>: It depends 100 on you. Some 18 year olds have no issue using credit cards responsibly. Some max it out and end up in a really shitty position. No one here knows you so no one can tell if what you should do or how youll act. 