I am twnety and don't have any children yet but being that I am not far from the age of a child I don't suggest credit cards at all personally. I feel that if you can't afford it now you need to work out a layaway plan or somethung similar or just save until you can afford what you want or need. Credit cards are a fast way to go into debt, especially if you have more than one. Even if you have a job at the time that you get it things can always happen. Using a credit card is just borrowing from one source to pay another which isn't good at all. Some cards don't have fees for the first year or so but sooner or later they all do. Stay away if possible.