How to Get a Credit Card Under 18

If you’re under 18, you may think you’re ineligible for a credit card . But that’s not necessarily the case! There are a few ways to get a credit card under 18. Here’s what you need to know.

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It can be difficult to get a credit card when you’re under 18, but it’s not impossible. You’ll likely need to find a cosigner, use a secured credit card, or get a student credit card. Once you have your own credit card, be sure to use it responsibly by paying your bill on time and in full every month.

Applying for a Credit Card

Applying for a credit card can be a great way to get access to money in case of an emergency, build your credit history, and start earning rewards. If you are under 18, you will need a co-signer to apply for a credit card. Once you have a co-signer, you can fill out an application online or in person.

Find a credit card issuer that offers credit cards to minors.

There are a few credit card issuers that offer credit cards to minors. The most common way to find these issuers is to search online for “credit cards for minors” or “credit cards for students.” You can also check with your bank or credit union to see if they have any programs for minors.

Once you have found a few issuers that offer credit cards to minors, compare the features of each card. Some things you may want to look at are the annual fee, interest rate, and rewards program. You will also want to make sure that the card issuer reports your activity to the major credit bureaus so you can start building your credit history.

Complete an application with a parent or guardian’s assistance.

Most banks require that applicants be 18 years of age or older. However, you may have some success applying for a credit card if you are at least 16 years old and have a steady income. You will need to have a parent or guardian co-sign the credit card application with you. In some cases, you may also need to provide proof of income, such as a pay stub from your job.

Wait for a decision from the credit card issuer.

Now that you’ve submitted your application, it’s time to wait for a decision from the credit card issuer. This process can take anywhere from a few days to a few weeks. Once the issuer has made a decision, you’ll receive notification in the mail. If you’re approved, your credit card will arrive in the mail along with information about how to activate it. If you’re not approved, the issuer will send you a letter explaining why.

Using a Credit Card

It can be difficult to get a credit card when you’re under 18. You may not have enough credit history to qualify for a traditional credit card, and you may not have a cosigner. However, there are a few ways you can get a credit card if you’re under 18. In this article, we’ll cover how to get a credit card under 18.

Use the credit card responsibly to build credit history.

There are a few things to keep in mind when using a credit card, especially if you’re under 18. First, use the credit card responsibly to build credit history. This means making payments on time and keeping your balance low. Second, be aware of the fees associated with your credit card. Some cards have annual fees, late payment fees, and cash advance fees. These fees can add up, so it’s important to know what you’re being charged. Finally, be sure to read the terms and conditions of your credit card agreement. This will help you avoid any surprises down the road. Using a credit card responsibly is a great way to build credit history and get on the path to financial success.

Make payments on time and in full to avoid interest and fees.

One important factor that determines your credit score is your payment history—or whether you pay your bills on time. So, if you’re trying to build credit, one of the best things you can do is make all your payments on time, every time. That includes any utility bills, cell phone payments, and, of course, credit card payments.

Paying only the minimum due—or making late payments—will cost you in interest and fees. And it will also damage your credit scores over time. So if you’re trying to improve your credit scores, be sure to pay all your bills on time, every time.

Keep track of spending to stay within your credit limit.

But high-interest rates and late-payment fees can quickly turn credit card use from a convenience to a debt problem. The best way to avoid these consequences is to use your credit card wisely.

Here are eight tips for using your credit card responsibly:

1. Know your credit limit and keep track of your spending so you don’t go over it.

2. Pay your bill on time every month. Late payments can result in fees and damage your credit score.

3. If you can’t pay the full balance, pay more than the minimum payment each month to avoid paying interest on your purchase.

4. Shop around for the best interest rate and annual fee before you apply for a new credit card.

5. Don’t open too many new accounts at once as this can look bad on your credit report.

6. Use your credit card for everyday purchases such as gas or groceries, but be sure to pay off the balance each month so you don’t incur interest charges.

7. If you have trouble controlling your spending, consider cutting up your credit cards or only carrying one with you to limit temptation.


There are a few options available for those under 18 who want to get a credit card. One option is to have a parent or guardian co-sign for a credit card. Another option is to get a secured credit card, which requires the cardholder to put down a deposit that serves as collateral for the credit line. Finally, some issuers offer credit cards specifically for students. Students typically need to provide proof of enrollment in order to qualify.

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