It is possible for 18 and 19 year olds to responsibly manage a credit card, but it ultimately depends on the individual's level of financial literacy and responsibility. Many credit card companies offer cards specifically designed for students or young adults, which often have lower fees and introductory interest rates, as well as rewards programs. However, it is important for young adults to understand the responsibilities that come with having a credit card, such as making timely payments and avoiding overspending. One way for parents to help their children learn about credit cards is by adding them as an authorized user on their own card, and teaching them about responsible credit use. Ultimately, it's up to the individual to determine if they are ready to handle the responsibilities of having a credit card.