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If you don’t have income, then you’ll have to find someone who’s willing to open up a joint credit card with you.The second thing that makes it tough to get the first credit card is that you don’t have a credit history.Furthermore, ask yourself this: if your teenager ran out of gas on the highway, or lost his passport while traveling alone in Canada, would you want them to call a hotline, or you?Debit cards for teenagers don’t have to cost an arm and a leg If your kid’s not quite ready for a credit card, just give her a standard checking account.First, Federal law requires that young adults under age 21 have verifiable income before they can be approved for a credit card without a cosigner.Unfortunately, an allowance from your parent doesn't count.
Avoid prepaid debit cards, no matter how old (or young) you are Let’s repeat the benefits touted by prepaid debit card sellers: no overdrafts, no effect on credit score, easy to reload, easy to access and track, protection against emergencies. These used to be a problem: a consumer could spend 50 cents more than he had, and incur huge fines. Regular, non-prepaid debit cads (such as your basic ATM card) have no effect on a credit score, either.
Don’t set yourself up for failure – learn all you can about credit cards before you get one.
If you're not ready, you can get there: How to Prepare for a Credit Card Getting approved for the first credit card can be tough, especially if you're under age 21 and more so if you don't have a job.
You need to be responsible enough to charge only what you can afford and to pay your bill every month without being reminded.
Getting a credit card before you’re fully prepared can spell disaster for your credit.
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But despite the profusion of debit cards for teenagers, prepaid debit cards are almost never a good financial decision.