Chip Lupo, Credit Card Writer
@CLoop
You have to be at least 18 years old to get a secured credit card. Anyone under 18 is not eligible to get their own credit card account, though they are allowed to sign on as an authorized user on someone else’s account.
The age requirement to get a credit card is the same for both secured and unsecured cards. In both cases, you will also need to demonstrate that you have enough income to afford monthly credit card payments. If you’re 18-20 years old, this must be independent income. Applicants who are 21 or older can use shared household income.
People also ask
Can a 13-year-old get a secured credit card?
Yes, a 13 year-old can get a secured credit card, 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.
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You can also...
read full answer by Maria Adams, Credit Cards ModeratorCan you get a credit card at 17?
You can get a credit card at 17 as an authorized user, but 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 build credit as an authorized user, and you can always...
read full answer by Adam McCann, Financial WriterCan You Get a Credit Card at 16?
No, you can’t get your own credit card account at 16 because the law prohibits issuers from offering credit cards to anyone under 18 years old. The only way to get access to a credit card at 16 years old is if a friend or family member makes you an authorized user on their account. You won’t be responsible for bill payments as an authorized user, but you will build credit as long as the primary...
read full answer by Christie Matherne, Credit Card WriterDid we answer your question?
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