I would just add as well if you have oily skin carrier oils are really good for the skin too, i get my ones from the health food shops, i also buy things from wholesalers on line too!
Also using things like antioxident and vitamins cleanser, moisturizers are really important at this age too! Try though buying products that are paraben, etc as natural or organic as possible ree as this will be more sensative too!
At least 2 litres of water to hydrate the skin every day, drinking green tea, leaves not bags are also good and so on!
Personally i like using sunscreen that dont have chemicals in them as this can irrate my skin otherwise, so its important whatever you use on your face just to use one product at a time that way if you have a problem with something you can recognise this straight away!
Also if you are thinking of using retinol just so that you know this can take a bit of time to adjust to, it is good for acne prone skin and fine lines, but if you do have sensative skin you may want to take a more gentle approach at such a young age!
Personally as far as fine lines are concenrned actually under the eye, if you mean eye bag be careful as far as putting products on this area as if you put too much here it can lead to have puffy eye bags etc from the build up of products that can get put in the eye bag area! From what i have been told anyway!
Also you may want to talk to a dermatologist or your local doctor about a skin care programe for yourself!
Just be careful though what you put on your skin at your age as you dont want to do your skin more ham than good, some people say that is worth waiting to use a retinol product when you get to 30 but it is up to you to determine what is best for your skin!
Also
www.smartskincare.com and
www.makeupalley.com are good websites you might want to have a look at for anti aging!