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As an adult, there's probably 3 or 4 things that can really mess you up. Avoid them at all costs...
-Health problems
-Problems with the law
-Gambling, serious addictions
-Tangled up in alot of debt
These credit card guys are horrible. Maybe have 2 or 3 for convenience, but the less you deal with them the better. On the cards I have, I just assume they'll keep tiling everything in their favor.
-The grace period may shorten.
-Deadlines will get squeezed and tightened.
-Fees tilted in their favor.
-Any kind of bonus or teaser rate can be yanked away (you have to stay on top of it).