Credit card companies are scumbags. I'm sure I've hit on this before, but they have one, and only one, goal in mind: to get you into so much debt that you're stuck paying the minimum monthly balance. That's it. They make their money when you go into permanent debt, so they've set up the game so that it's really easy to put too much money on a credit card and really hard to get it paid off once you're stranded. That's why there's no customer too risky to get a card, whether it be people who've just declared bankruptcy, or people with little or no income, or apparently people under the age of 7: they don't want you to pay it off.
Once you internalize the fact that banks and credit card companies no longer look out for your best interests, but are instead trying to swindle you, the way you look at debt and loans changes. You react to them less like your friends and parents do, and more like your grandparents did!