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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?

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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.

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