Next time on Dear Alice. Is there things that our kids should be doing to build their credit so that they'll be able to qualify for a better loan like right now like I feel really bad, but my freshman in college doesn't have a credit card.

Right. She hasn't ever had one and we're talking to some of it's like, oh you should have done that while they were in high school.

They should be using a credit card and paying it off and building their credit.

And I'm like, oh my gosh, what have I done as a parent?

How come I didn't think about that?

What are you? How could you?

My child had one at six.

No, I know.

I'm totally kidding.

That's credit is grissant.

Wow, he's got a 816.

He's 16.

He's just. 16.

He's just bought a 10,000.

What are you in Adam doing?

No.

I personally believe I'm paying that card off every month.

Look, I'm not a lender.

A lender would be a better person to answer the question. but I do know from helping our own client tell out.

Getting a credit card, I personally don't think in high school I would do that either. I think college is a good time.

It's all about making sure it's under 50%, right?

So it's not about up and down.

...