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The process of building credit generally begins at age 18, though individual states, products and financial institutions have their own specific rules. Although minors typically dont have credit reports, parents can take certain actions to help children under 18 build good credit once they are of age.
You generally have to be at least 18 to open your own credit card. Thats because before you turn 18, youre typically too young to enter into contracts. That can include things like credit card agreements. And if youre under 21, there might be some extra requirements to get your own credit card.
Yes, you can get a credit card at 17 as an authorized user on someone elses account. But you have to be at least 18 years old to open a credit card account in your own name. And when you turn 18, youll need to show that you have your own independent income to qualify.
Financial experts recommend young people start building credit as soon as possible. A good time to apply for a credit card is when you turn 18, since thats the minimum age requirement for opening your first card. College student credit cards are a smart choice for students looking to establish credit.
Select a shipping option, then click the Continue Checkout button. Use a gift card, PayPal, or credit card to pay for your order, then click the Place Order button.
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People also ask

While teens cant get their own credit cards until they are 18, there are other ways a 16-year-old can pay for purchases. Heres what you need to know. Teens can use other digital payment options like prepaid debit cards, debit cards, and ApplePay to make purchases if they dont want to use cash.

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