I just turned 18 this year and want to start building... - Student Credit Cards Questions

Advertising Disclosure

Credit-Land.com is an independent, advertising-supported web site. Credit-Land.com receives compensation from many credit card issuers whose offers appear on our site. Compensation from our advertising partners impacts how and where their products appear on our site, including, for example, the order in which they may appear within review lists. Credit-Land.com has not reviewed all available credit card offers in the marketplace.

Credit Card Applications » Questions » User Questions » Student Credit Cards » I just turned 18 this year and want to start building credit how do I do this?

I just turned 18 this year and want to start building credit how do I do this?

Answered by , at
Add to Favorites:

Tags: , ,

Leo Zhu

There are several options for you. The first one, and probably the easiest one, is to become an authorized user on your parents’ credit card. As an authorized user you will be issued a separate card. However, note that it will work only if your parents have good credit history. You won’t want bad credit, will you?

The second option is to get a secured credit card. For that you will need a bank account with about $200 to pay a security deposit. Also, you will need to show your income that exceeds your expenses. This card will be yours and only yours and the way you use the card will affect only your credit history and your credit score.

And one more option is a student credit card. It is recommended to be a student when you apply for such card but it is not a strict requirement.

Get the latest news, articles and expert advice delivered to your inbox. It's FREE.
Get a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically.
For Fair Credit
Earn 2,500 bonus points after spending $500 in purchases within the first 3 months of account opening
For Good Credit
Get a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically.
For Fair Credit

Other Questions in
Student Credit Cards