How old do you have to be to get the DFCU teen Visa Platinum card?

Yes, you can get a credit card at 14, but only as an authorized user on someone else’s account. You have to be at least 18 years old to open a credit card account in your own name. When you turn 18 years old, you’ll also need to show that you have your own independent income in order to qualify for your first credit card account. In the meantime, you can begin to … read full answerbuild credit as an authorized user, and you can always use a debit card for everyday purchases.

Most 14-year-old authorized users won’t have much of a choice when it comes to which card they use, but if a young person’s parents happen to have one of the following credit cards, the arrangement could lead to outsized savings.

Notable Credit Cards for 14-Year-Old Authorized Users

So, keep in mind that you can’t get a credit card at 14, at least not one of your own. But if you find someone to back you, then you can start building credit right away. And in just four years, you’ll be eligible for student credit cards, secured credit cards, and other options for people new to credit.

The only way to get a credit card when you’re under 18 years old is to become an authorized user on an adult’s credit card account. You cannot get your own credit card account until you turn 18 and you’re able to demonstrate enough independent income to make monthly bill payments… read full answer.

However, being an authorized user will help you build credit in the meantime, as long as the primary accountholder pay the bills by the due date.

Alternatives to getting a credit card if you’re under 18:

• Become an authorized user: If you know someone else who has a credit card (like your parent) you can become an authorized user on their credit account. You’ll get your own card that’s connected to the cardholder’s account, and any purchases you make will show up on their statement.
  
  The primary cardholder is the one responsible for paying. This is a great way to build credit, although you won’t build it as quickly as you would with your own card.
• Take out a loan. Credit-builder loans are sometimes available to people under 18 who have a cosigner (someone with established credit who takes responsibility if you default). But it will be more difficult than getting a loan at age 18.
• Use a debit card. You can’t build credit with debit cards, but they can make everyday spending more convenient. And there’s no need to worry about going into debt because you’ll be spending the money from your checking account, not borrowing anything.

You’ll definitely need to wait until you’re 18 to get a credit card account in your own name. But being an authorized user is still a very useful way to build credit and practice using a credit card responsibly. Then, once you turn 18, you’ll already have some credit history and may be eligible for better offers right off the bat. You can track your progress with WalletHub’s free daily credit score updates.

No, a 12 year old cannot have a credit card of their own. Legally, you have to be at least 18 years old to be able to get a credit card.

There is, however, the option to become an authorized user on someone else's account.

Some cards without age restrictions for authorized users are:… read full answer

• Capital One Venture Rewards Card
• Capital One Quicksilver Cash Rewards Card
• Wells Fargo Cash Wise Visa Card

By becoming an authorized user you'll have the the possibility to learn how to use a credit card responsibly, but you can also start building credit early.