Can my parents help me get a credit card?

Strictly speaking, parents cannot open a credit card account for their minor children. Only a person age 18 and over can enter into a legally binding contract, which includes applying for a credit card as the primary account holder.

How do you get your parents to get you a card?

How to Convince Your Parents to Get You a Debit Card

1. Access to Emergency Funds.
2. Efficient Cash Distribution.
3. Business Account Management.
4. Opportunity for Parental Oversight.
5. Risk Mitigation Measure.
6. Checking Account Ledger.
7. Responsible Spending Habits.
8. Set Spending Caps.

Do you need parent permission to get a credit card?

If you’re under the age of 18, you won’t be able to get your own credit card. But you can ask your parents to make you an authorized user on one of their accounts. You can begin building credit and potentially gain some valuable day-to-day experience (if they decide to give you spending privileges).

Can you get a credit card at 16 without parental consent?

You can’t get your own credit card if you’re under the age of 18. But you can become an authorized user (more on that below). Even after you turn 18, the Credit CARD Act of 2009 states you’ll need to have either proof of independent income or a cosigner over the age of 21.

Can my dad get me a credit card?

Yes, your dad can add you as an authorized user to his credit card account. Each card issuer, however, has their own policy as to age. American Express, for example, will allow someone as young as 13.

How do you persuade your parents?

How To Convince Your Parents To Say Yes To You

1. First Do Something For Your Parents.
2. Make Them Compare Your Request To Something Even Bigger.
3. Convince Your Parents To Think Past The Sale.
4. Remind Them Of The Limited Time They Have With You.
5. Ask For Something Small First: Commitment And Consistency.

How can I use my parents credit card for free?

Become an authorized user on your parents’ credit card. As an authorized user, you will receive a card with your name on it, and be free to use it wherever cards are accepted. All charges will be directed to the single account in your parents’ names.

How can I convince my parents to let me get a credit?

Start with a prepaid debit card. If your parents show an interest in letting you have a credit card, but want to be able to supervise and (when necessary) limit your spending, a prepaid debit card can be a good “starter” card. It is also good practice for you before possibly moving onto other options.

Can I add my child as a credit card authorized user?

Adding your child as an authorized user can be a good thing, but you may run into issues if your credit card issuer doesn’t allow it or has an age requirement. To help, we’ve done some research to determine how the top credit card issuers handle it.

Should you let your kids use your credit card?

Make sure that your kids are mature enough to understand the cause and effect of swiping or entering a card number for a purchase. You can add your child as an authorized user and not actually share the card with them if you think they are not ready for the responsibility.