<prompt> Human: I feel like there are a lot of credit haters out there amongst our younger generation, Ive heard anything from I dont trust myself with multiple credit cards to I dont spend money I dont have.Are people scared of the idea of having multiple credit cards or do we just terribly suck at budgeting? I feel like applying for personal loans to consolidate debt is somehow more attractive to people than a 0 interest balance transfer offer...  <response>: The younger generation probably noticed the trouble their parents andor friends parents got into with credit in the late 90s and early 00s. Learn from the mistakes of others so you dont make your own. 