Get a Credit Card

You can get a credit card at any age. If you’re under 21, you can become an authorized user of someone else’s card and charge to that account. Of course, age isn’t the only factor in whether you’re approved for a credit-card account. Your credit score will play a huge role in determining whether or not you’ll be approved. Nonetheless, if you’re under 21, you may not be able to obtain an actual card.

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Most issuers require that you’re at least 18 to qualify for a credit card as the primary account holder. If you’re under 21, however, you will need a co-signer to secure the account. If you’re under 20, you’ll also need to provide proof of income and financial responsibility from your parents or other adult. In addition to your income, the issuer will also want to see proof of your ability to make monthly payments on the account.

As mentioned, the minimum age to apply for a credit card as a primary account holder is 18 years old. If you’re under 18, you can become an authorized user and be responsible for all payments on the account. This option can be beneficial for young adults trying to build a credit history. It’s also called “credit piggybacking” and is an easy way to start building your credit history. You can also apply as an authorized user of another person’s card as long as you have a responsible spending plan.

How Old to Get a Credit Card

Most companies have age requirements to issue a credit card account, although you can apply for a card at a younger age if you’re willing to sign up for an authorized user. While the minimum age for the primary cardholder is 18 years old, most issuers have an older age requirement. You should check with the issuer to determine whether you’re too young to apply for a credit card.

When you’re under 21, you may be able to get a credit card. However, if you’re under the age of 21, it’s very unlikely that you’ll be able to qualify for a credit card. You must have at least a certain amount of income to qualify for a credit card. You should also prove that you’re earning enough money to independently make your minimum payments on the account.

While you can obtain an emergency credit card, it’s best to keep an account for emergencies only. Having a credit card with a low limit could be dangerous. It’s better to have a higher limit than you actually need for a credit card. If you have a high income, it’s okay to get a credit card. Having a credit card that has a limit will help you avoid problems later.