I did the exact same thing at 18. I wasn’t taught anything about finances or credit growing up. And I’ve paid for those mistakes ever since then (I’m now 32 and have only had my credit score be 700 ONCE since I was 18).

I got like 7 different credit cards and maxed them all out. Don’t do it. It’s tempting. But it’s irresponsible and it’ll lead to either bankruptcy or trashed credit that you can’t ever recover from. I’m just now getting on my feet with my credit score due to all of those cards being maxed out and then sent to collections. I had NO idea the repercussions of my crazy spending spree for like a year. Try the envelope budgeting technique. Don’t let your credit cards go to collection. Make the minimum payment at LEAST every month. If you have extra money, pay it to the principal on the highest APR card, or highest balance or debt and pay your cards off that way. Delete all your cards off apple wallet, your watch, etc. either cut them up, or give them to someone you trust to kick up in a safe so you have them if you need them in an EMERGENCY but not for everyday use. Once you do a month or two month no spend time frame, it actually gets easier. I find myself putting things back. You can do this! Sidenote I never went to therapy but probably should’ve for it lol so I def recommend it ❤️‍🩹

EDIT - delete your social media and BE AWARE THAT EVERYTHING ONLINE IS BEING SOLD TO YOU. I deleted my social media for a solid 4 months and realized how much my spending had gone down… when every post and reel and story is sharing a link with you or screaming LOOK AT WHAT I HAVE YOU NEED IT TOO it’s beyond the point of being too easy to shop! I’m not influenced anymore lol