Yes, parents certainly can get a credit card for their teenagers. There are basically two ways to do so. For starters, you can make your child an authorized user on one of your credit card accounts. Your teen will get his or her own card, to use at least for emergencies. And as long as you pay the bill on time, your child will build credit.
Plus, if you don’t, your child will be able to successfully dispute the account and get it removed from his or her credit reports. After all, authorized users aren’t responsible for making payments.
Your other option is to co-sign your child’s credit card application. This will result in your income, debts and credit history being factored into the approval decision. So your child may be able to get a better credit card than he or she would otherwise.
But this will only work if your teen is 18 or 19 years old. You can’t be a primary accountholder on a credit card until you’re an adult.
Finally, if your teen is old enough and has the income or assets needed to make monthly bill payments, you can help him or her pick the best credit card to apply for alone. If your child is in college, this will be a student credit card. Otherwise, there are plenty of good starter credit cards to choose from.
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