“Yes, I have. My bank was really eager to give me a credit card, and it was great until I reached my limit and they wanted the money back.”

— Ryan Davis, youth pastor, Lawrence

“No, I'm too young. I haven't had a chance to rack any up yet.”

— Kaley Clark, University of Missouri-Kansas City junior, Smithville, Mo.

“No. I pay off the entire balance at the end of each month. I've had the same credit card since 1977, and I don't think I've ever carried over a balance.”

— Jim Hass, university administrator, Olathe

“Yeah, I have a pretty decent amount on my credit cards. I just keep chipping away at it.”

— Katherine Dunn, veterinary technician, Lawrence