i have been getting warnings from my mother since about 1 year before my birthday about not accepting credit cards. lucky for her no one will give me one, my boyfriend says i cant get one because i have too many creditors checking my credit. is this true? what ever happpend to just giving students credit cards to ruin their lives. i turned 18 in june2002 and the only approvals i get are from secured companies, where i can set my own limit. gut if i had the money i wouldnt need a credit card. can anyone offer any advice? or an explanation