Almost half of British young people intend to credit cards when they are adults, according to a new poll.
The survey by the insurer Axa also found that 44% are committed by young people aged between 15-17 who must bear a credit card when they grow up.
AXA study, which examined in particular the financial habits of young people in Britain also found that 18% of respondents were interested in signing a loan if you are 18, while another 17%confidently believe that would be excessive.
However, the results of the survey by AXA could doom the industry to credit cards as proposed a similar study spells that nearly half of British consumers are not protected against fraud with credit card and bank account.
Wednesday, consumer watchdog Which? found that 48% of people use the same PIN for more than one card.
What? revealed that the majority of credit cardConsumers do not occur if a Web site against online shopping is safe, while a number of them the mother's maiden name as a password.
But more worrying is that the poll results by Stiftung Warentest also show that one in seven Britons Give your credit card, PIN and password.
Martyn Hocking, editor of Which? Money, said: "There are many more people can do to prevent fraud.
"Document shredding and check bank statements are a goodbeginning, but people must be wise to basic fraud risks such as mother's maiden name as a password, or shopping on websites that are not safe.
"With a few simple precautions individuals can greatly reduce the risk of fraud - without unnecessary insurance.
But with young people think that credit cards when they become adults, this could mean that the number of users of credit cards with no scruples on the rise, an indicator of possiblethis market could be headed towards a difficult future.
After the experiment, which involved young people the reins to the budgets for their families for a week, not 70%, in order to balance the books.
It was found that, on average, of which 16% of adolescents on their budgets £ 248.40, expenses, with nearly 600 pounds.
During the experiment, children were often decided to continue treating themselves to luxury at the expense of others, even though 77% had the means to pay for jobs and gain 55%Pocket money.
Professor Nick Chater, a member of the AXA Financial Task Force, said: "These studies emphasize that a big challenge, budgeting, if you're still relatively new to money management and financial decisions to provide for the smooth."
"Many young people are on the doorstep for the university or get a job and while some will naturally approach money with due diligence, our study sites that simply can not effectively address the situation with the budgeting .
Continuedpropose that the lack of budgetary powers was because the young British people are so easily turn to bank accounts and credit cards.
"These things are the norm so that teenagers think they can do only what, pending debt sooner rather than later," said Professor Chater typically seen.
"Some young people also have spendthrift financial habits, because they get what they want to be used if they want it. More than half of respondents said that their parents moreMoney when you have exhausted the fifth and know that they get what they want, when they are quite persistent in their applications. "
But consumer watchdog Which? warns that victims of fraud with credit cards are required to pay up to 50 €, giving banks often when it is established, you have acted fraudulently or without reasonable care.
About 95% of respondents said that after the suffering of the card or bank account fraud, have all their money back. Only two per cent, were not able toMoney back.
Figures from CIFAS, the UK has increased anti-fraud service, show 19% of cases of identity fraud in the first quarter of 2008.
