What is the fine-grained topic of the following text: The Times article quotes young workers who are uneasy using credit — like an employee at a private equity firm who cut up his credit cards because of his family’s struggle with credit, and a recent college grad with a high student-loan debt load who grudgingly applied for a card only to improve her FICO score. Only return the topic.
Young workers' reluctance to use credit cards due to financial struggles