Shopaholics" and young adults are most vulnerable to misuse credit. College students are a prime target for credit card issuers, and issuers make it very easy for students to get credit cards. Wendy relight , a 25-year-old teacher in Detroit, knows all too well. As a college freshman, she applied for and got seven credit cards, all bearing at least an 18.9 percent interest rate and a $20 annual fee. Although unemployed, she used the cards freely, buying expensive clothes for herself, extravagant Christmas presents for friends and family, and even a one- week vacation in the Bahamas t got to a point where I didn't even look at the price tag," she said. By her senior year, Wendy had amassed $9,000 in credit card debt and couldn't make the monthly payments of nearly $200. She eventually turned to her parents to bail her out. "Until my mother sat me down and showed me how much interest I had to pay, I hadn't even given it a thought. I was shocked," Wendy"I would have had to pay it off for years