Adam McCann, Financial Writer
No, a 17-year-old cannot get a credit card from Bank of America on their own because you have to be at least 18 years old to legally open a credit card account. A 17-year-old can become an authorized user on someone else’s Bank of America credit card, though, since there’s no minimum age requirement.
How a 17-Year-Old Can Get a Bank of America Credit Card as an Authorized User
- See if any of your adult family members or friends have a Bank of America credit card.
- Ask the adult to add you as an authorized user on their credit card account.
- Receive your card from the primary cardholder once they get it in the mail (if it’s not sent directly to your address).
- Use the card to make purchases. You will share a credit line with the primary cardholder.
Bank of America reports information about credit card accounts to the credit bureaus monthly for both primary cardholders and authorized users. This helps the authorized user build credit if the account is used responsibly.
Once a person turns 18, they are free to apply for a Bank of America credit card on their own, though they will need some sort of income to have a shot at approval. You can browse the best Bank of America credit cards on WalletHub.
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