Not now!

My cousin is bugging me that she wants to apply for a credit card. What she talking about? LOL! She said it'll be more convenient for her to avail something because that piece of plastic is the only requirement. Well she's right. There are advantages but consequences too. So if she's asking what can I say? In my opinion, definitely not now. Had my first card in my late 20's, so she still has to wait for a couple or more years. Haha! Seriously, time will come when she'll have one.