In an article in FMT today, financial planner Robert Foo of MyFP Services wrote about young Malaysians and their relationships with credit cards.His take on the status quo, is that many fresh grads end up misusing their credit cards, spending on lavish lifestyles and shiny new gadgets - essentially, luxuries, rather than necessities. His advice is to use a credit card as a ‘payment utility’, rather than a cash-up-front device. So on Talkback today, we're asking: Should fresh grads be given credit cards?