I am a college student; can I apply for the Apple Card?

If you really are a teacher of this subject then you should know the answer. Credit is pretty much a necessary evil in today’s world. You need to have credit to buy a home, buy a car, and often even to rent an apartment. If there is no credit history then they’re likely to be denied. Of course we should be teaching responsible credit use (buy and pay off before interest accrues) but credit cards make it too easy to buy now and make minimum payments only to find yourself in a deep hole. Once again, credit card companies would not exist if people paid off their balances every month.

Not all types of credit are needed, namely, the ones that are evil such as a credit card in the hands of teenager who doesn't know what to do with it. That's why there are personal finance courses. And, yes I did teach finance at a university for which I have a Ph.D. Too many of today's teens have troubles with simple arithmetic and can't balance a checkbook.

This is not a forum for this type of discussion, so I suggest we end it here before the moderators do.

"...banks want to trap you into their cards at a young age." Then why would you even recommend it?

Then why encourage people to use them instead of saving?