Possibly Getting A Credit Card

[AVAFREAK182]

How would I go about getting a credit card if I am 15 going on 16? My parents say its fine and stuff. Also, I want something that I only have the make payments if I use it. Thanks!

 

[IronWing]

Will your parents cosign?

 

[aplefka]

I would just wait until you're 18 and have money saved up that way you don't have to have anyone co-sign and you have money to spend so that you can actually build credit.

 

[summit]

Visa Buxx

would be my choice. had one when i was younger. you can usually get a debit card if you have a joint account w/ your parents. most credit card companies require you are 18 because of the risks of the credit card (they are basically loaning you money and you probably don't have a job). other choices are get your parent to add you on to one of their credit cards they aren't using so you have a card of your own and you could be responsible and pay it. however i only believe the last option allows you to build credit. i think.

btw why do you need a credit card at 16? online purchases?

 

[se7en]

Preloaded secured card is your best bet at 16.

If you lose it your only out what you put in. If you decide to have a huge party you only have so much you can buy with it so you won't freak the folks out.

 

[wiredspider]

Just become an authorized users on one of their cards (or get them to get a new card and put you as an AU).

 

[Shawn]

Originally posted by: aplefka
I would just wait until you're 18 and have money saved up that way you don't have to have anyone co-sign and you have money to spend so that you can actually build credit.

I think you can still build up your credit even if you have someone else cosign.

 

[Pepsei]

world of warcraft credit card.

 

[Tooncesthedrivingcat]

Originally posted by: wiredspider
Just become an authorized users on one of their cards (or get them to get a new card and put you as an AU).

Fair Isaac is soon going not going to count AUs in their formula.

 

[summit]

Originally posted by: Tooncesthedrivingcat

Originally posted by: wiredspider
Just become an authorized users on one of their cards (or get them to get a new card and put you as an AU).

Fair Isaac is soon going not going to count AUs in their formula.

that guy sure isnt fair

 

[erub]

Originally posted by: Tooncesthedrivingcat

Originally posted by: wiredspider
Just become an authorized users on one of their cards (or get them to get a new card and put you as an AU).

Fair Isaac is soon going not going to count AUs in their formula.

true, but it would still let him get a CC.

 

[Eeezee]

Do you have a job? If you have a job, great. If you don't have a job, why do you need a credit card?

At 16 the last thing on my mind was burdening myself with a job and credit card.

 

[Twista]

well i said that.. now im oweing back money i dont have. Its not a huge amount but over 500 =] part time sucks

 

[Q]

Why do you want one at 16? Pointless IMO.