One of the first things many people want to know when they get their first credit card is, “Can I get a credit card at 17?” The answer is yes, but there are a few different ways you can achieve this. For example, you can open a secured credit card, which requires an upfront cash deposit that becomes your credit limit. You can also become an authorized user on someone else’s credit card, or if you’re parents are willing to co-sign on your application and assume financial responsibility for your use of the card, that’s another option. If you’re over 18, you’ll have more options available to choose from (including student cards and retail cards), but even as a minor there are still plenty of viable options!
Yes, you can get a credit card at 17!
You can get a credit card at 17. You can get a credit card at 18. You can get a credit card at 19. You can get a credit card at 20. You can get a credit card at 21. And you can get one even if you’re 22 years old! But there are some things that could keep you from getting one: not having enough money in your bank account, or not having good enough credit history, for example. If you have the cash and an established record of paying bills on time, though—and if this is something that’s important to you—there’s no reason why not to go ahead and apply for one now!
How old do you have to be to get a credit card?
The minimum age to open a credit card is 18.
The minimum age to use a credit card is 16.
The minimum age to get a credit card is 17.
What is the best credit card for a teenager?
When you’re 17 years old, the last thing on your mind is credit cards. But whether you like it or not, they’re an important part of growing up in today’s society and can help you build a good credit history.
Credit cards for teenagers are designed to teach them how to use credit responsibly while they learn the ropes. These days there are so many different types of credit cards available that finding one that suits your teen will probably present no difficulty at all. It’s worth bearing in mind that there are certain things that need to be considered before choosing a card for your child or teenager:
- The age of the applicant: There may be minimum ages which apply when applying for some cards. If this applies then make sure you check carefully before applying as it would be embarrassing if an application was refused due to being below minimum age requirements;
- Credit card fees: Some people may want low interest rates but others prefer no annual fees or low ones;
- Issuer reputation: Make sure whatever issuer you choose has a good reputation as this can mean all the difference between having an excellent experience with them versus being exploited by them (or even worse).
Can I get a credit card with no income?
The short answer is: no, credit card companies won’t give you a card if you don’t have any income.
The long answer is: it’s possible, but it will be much harder. Credit card companies generally require applicants to have an active job or source of income in order to qualify for a credit card with no income. You’ll need to show that you’re able to pay your bills and handle the minimum monthly payment (usually $25–$35), which means having a steady paycheck or other reliable way of earning money each month. For example, if you don’t have any current income yet but do have plans to attend college in the fall, then getting approved for a low-limit secured credit card might be your best bet. Just make sure that the lender accepts partial payments on the balance while they wait for your first paycheck!
If this sounds good so far—and we think it does—then read on: there are still some more requirements before being able to apply for an unsecured card with no income whatsoever!
How can a 17 year old with no credit get a credit card?
You may be able to get a credit card with your parents’ help, permission or consent. When you’re under 18, most banks will not issue you a card without parental supervision. Most cards require that the primary account holder be over 21 years old, but some offer special rewards for college students or allow those who are 18 and older but haven’t yet graduated from high school or college to apply for their own cards with their parents’ permission. Many of these cards are available through major issuers such as Visa and MasterCard, so they have lower annual fees than some other types of student-targeted credit cards.
The easiest way to get a new card is by asking your parents if they’ll add you as an authorized user on one of their accounts (if they have one). This allows them to control whether the account is active and what type of purchases can be made with it; however, it doesn’t give you access to any money in the account itself — it’s still legally considered theirs until such time as they agree otherwise (which might happen after graduation).
Who offers credit cards for people with no credit history?
If you have no credit or a less-than-stellar credit history, it can be difficult to find a card that’ll work for you. But there are options out there for people with poor or nonexistent financial histories:
- Cards for people with no credit history: These cards are designed specifically to help those who don’t yet have any information on their credit reports. They usually charge higher interest rates and come with more fees than the best student and secured cards, but they’re still worth considering if they fit your needs.
- Cards for people with bad (but not horrible) credit scores: If your score falls in the 600s or above, you should be able to qualify for an unsecured card even if there’s nothing particularly special about your circumstances. If your score is below 600 but still pretty good (640–700), some banks may approve you even though they typically consider this range “bad” rather than “fair.”
A side-by-side comparison is the fastest way to find the best option for you.
A side-by-side comparison is the fastest way to find the best option for you. It’s easy to do a side-by-side comparison using a website like Magnify Money or CreditCards.com.
If you’re ready to start building credit and getting rewards for your spending, there’s no reason not to get a card today. A side-by-side comparison is the fastest way to find the best option for you, but we hope this article gave you an idea of what cards are out there. If you want a secure way to build up credit without worrying about debt or spending too much money, we recommend a secured card. If you want more flexibility and access to more rewards programs, an unsecured card is your best bet—and it might be easier to qualify for than you think. As long as you make sure not to spend beyond your means or rack up unnecessary charges on your account, then go ahead and start shopping around