Andrian Gherbovet, a 20-year-old native of the Republic of Moldova, has found many things difficult since he arrived in May to spend the summer as a lifeguard at an Alexandria condominium complex. Getting a ticket to the consumer economy wasn't one of them. "I was surprised to get credit card so quickly," said Gherbovet, who received a ready-to-swipe Visa less than a month after arriving on his first visit to the United States, before he'd even mastered the local bus routes. Gherbovet, the son of a taxi driver, had never seen a charge card before. "I don't know anyone in Moldova who has one."