You had to be at least 14 years old to get the DFCU Student Visa Platinum Card, but only as an authorized user on a Michigan resident’s account, per Michigan (and federal) law. This card, though, is not available anymore.
You need to be at least 18 years old to apply for your own credit card account. And since the Credit CARD Act of 2009, applicants under the age of 21 must have independently verifiable income (i.e. not a parent’s income) or a cosigner with sufficient income. The cosigner, who must be 21 or older, would share responsibility for any debt incurred on the card.
Teenagers under 18 who were added as authorized users for the DFCU Student Visa Platinum Card would share a credit limit with the primary cardholder. Past 18 years old, you could get a limit up to $2,000, so long as you had qualifying independent income. The DFCU website stated that teenagers ages 14-17 could be approved for this card with a co-signer, but this was incorrect. A teenager may only have a credit card as an authorized user on someone else’s account until they turn 18.
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