When can you get a credit card but its not under your parents name.?

Question

can you people please provide a website so i can check it out

Answer 1

18 years old.

Answer 2

Most credit card companies offer Student credit cards in your name . Most start with a $300 - $500 allowance.
If you make your payments on time and more then the minimum payment this will increase your credit score.

Hint: Do not apply for more then 3 cards in any given 6 month period -- creditors look at this and "red flags " go up

You must be 18 and have some type of income

Here are a few companies to check out:

Discover Student card
American Express Student Card
Capitalone Student

Answer 3

You must be 18, and you'll generally need to demonstrate full time income for at least a few months. You could also get your parents to co-sign on a card for you. It would still be under your name, but if you didn't pay, they'd go after your parents. This can be a useful tactic in starting your credit history (something that is very important when you eventually want to get a mortgage, or take out loans from the bank).

Alternatively, if you don't have a job and have no credit history, many banks offered what's called a "secured credit card".

Basically, you tell the bank, "I'm going to give you $500, and I want you to give me a credit card with a $500 credit limit."

The bank will then keep your $500 as a security deposit, in case you don't pay your credit card bill. After a certain amount of time, provided that you've paid your credit card on time consistently, your deposit will be returned to you, and your "secured" credit card will simply become a regular credit card account. Again, another great way to establish a credit rating.

But make no mistake: credit *must* be used responsibly. When you don't pay (even if you're just 30 days late on a payment), it goes on your credit history record, and lowers your credit rating. This will affect your future ability to get loans, mortgages, etc. Blemishes like this eventually go away after many years, but you want to avoid them at all costs.

Good luck!

Answer 4

You need to be 18 and the credit company will decide if you are a safe credit risk or not. One of the best ways to start your credit history is to go to the bank and get a small unsecured loan. Take the money they loan you and keep it safe, maybe a savings account, and pay back the loan as the terms state, maybe pay it off just a bit early. You will then have established a good credit history and other companies will be more willing to lend to you, maybe even at a better rate.

Answer 5

Usually college age students are solicited by credit card companies for unsecured credit, without parental involvement. In the course of things, it's a pretty bad idea. Many students get into debt -- which means they will "owe" on a card for 30 to 50 YEARS.

Think about that.... a lonnnnng time.


Lifes

Answer 6

Age 18, when your an adult. Just go to whichever bank or card's website by doing a google search, there are too many to list.

Answer 7

You need to be of legal age in your state/province and country, that may vary depending on where you live.

Secondly, you need to have a decent credit history. However many financial institutions are more lenient on students who are already in college/university and have a part-time job.

Hope this helps,
Ken

Answer 8

Probably 18

Answer 9

I believe the age is 18 before you can apply for one.

Answer 10

When you are 18 and have a job with a steady income to be able to pay.