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rich people help their kids get perfect credit scores long before those kiddos can apply for their own credit card and itamp;#39;s not even that complicated I can explain it to you Iamp;#39;m Vivian youamp;#39;re rich BFF and your favorite Wall Street curly who you follow for all the money Secrets as soon as my kid is born Iamp;#39;m gonna set them up as an authorized user on my credit card as you can see with the exception of discover and American Express most of these credit card issuers donamp;#39;t have a minimum age requirement this means I will be issued a credit card with their name on it but Iamp;#39;ll be responsible for paying the bill and youamp;#39;re probably wondering what does a baby need a credit card for they donamp;#39;t instead of giving the card to them Iamp;#39;m either going to cut it or Iamp;#39;m just going to put it in a safe location I will then proceed to make on-time payments on my credit card bill every single month by doing so Iamp;#39;ll start