Lucia | 19 | Los Angeles

Lucia is a student who does not want credit card debt

Photo credit: Michael Ares

If you had a large unexpected expense, how would you pay for it?
I would work and try to figure out a way.

Do you have credit cards?

Do you have anybody you would ask?
My sister.

Do you believe in credit cards?
I do. But right now, I don’t have a job so I’d just rather not.

Would it be too tempting?

Are you going to school?
Yeah, and I don’t want to be in debt.