where could i apply for a credit card at for 16 year olds?

Question

i am only 16 it is hard to get a job so thought that i could apply for a credit card

Answer 1

There are two reasons why you cannot get a credit card at this time.

1. You must be 18 in order to enter into a legal contract.

2. In order for a credit card company to extend you credit you will have to prove that you can pay it back. Therefore if you have no job, a credit card company will not give a credit card.

Do not worry. After you turn 18 and have get a job, you will be swamped with credit card offers.

Answer 2

You cannot get a credit card yet as you are not old enough to enter into a contract (which is what a credit card really is, a contract to borrow money money and pay it back). No way around it. Sorry.

That said: you can probably get a secured card. That is, you deposit a certain amount in the account and draw against that. It's not really a credit card; operates more like a debit card.

Answer 3

You must be 18 to be approved for a credit card. You'd need someone to add you as an authorized user. Any older friends or parents who would trust you?

As for not having a job, there are credit cards where you put down a deposit that matches your "credit" in order to build credit history. I believe that's a secured credit card.

Answer 4

In every state in this grand United States of American, you have to be eighteen years old. This is the legal age to have the ability to contract and a credit card is a contractual agreement. You may ask your parents to make you a co-user of the card, as I did that for my children. PS: Some credit card companies want even issue you a card until you are at least twenty one years old. Good Luck

Answer 5

I had a valid master card at age 16. My parents bank suggested it with my parents as cosigners.

The initial credit line was $500. I paid the bill each month and established my credit history. If I had failed to pay the bill, my parents would have been notified and in my house, there would have been hell to pay. (My parents agreed that they would not request copies of the bills unless I screwed up.)

As I got older, the bank upped the credit limit and removed my parents as cosigners when I reaced the age of majority. (I still have the card.)

This was several decades ago. The card had my photo on it, but since it was before the digital era, it was a passport photo laminated onto the card. It did make it easier to get gas stations and stores to accept the card because frankly I did look too young to have the card.

Answer 6

You can't get a credit card at 16. In order to have a credit card at any age you need a job first, otherwise how would you make the payments?

Answer 7

No...a credit card requires a legal contract which a minor cannot sign. Your parents can get a card and make you an authorized user.

Answer 8

And just how would you pay for the credit card if you don't have a job? You're not old enough anyway.

Answer 9

No one will let you apply for a credit card at that age.You will need to be 18.

Answer 10

This post just literally made me cry.

16? and you want to ruin your life forever? You want to limit your choices for your future? You want to be trapped in the Rat Race and be destined to hold a job the rest of your life?

Why on earth would you want to go into debt? Its disgusting.

Let me tell you a little secret. There is a great game going on in the world that only rich people know about. Its called "Who owes who". If you owe someone else personal debt, then you lose. Forever.

What the h*ll are they teaching in schools these days!!???

CREDIT IS BAAADDDD

Run away! Run away! Please! Don't ruin your life now!!!