
27. Discover Card
It was once a given that a person would have a credit card. Credit was used for shopping and applying for loans, mortgages, and more. When the economy declined several years ago, consumers started using their credit less often.
Millennials tend to avoid credit these days because of how hard debt can be to climb out of. Most stick to using debit cards and forgo applying for Discover, Visa, or Mastercards. Generation Y is wary of using credit cards and becoming trapped after spending more than they can afford. There are other ways to build credit without opening and using a credit card.