First credit card for 18 year old

[Anonymous]

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:

Anonymous wrote:I just added my DS to my BofA credit card when he was 16. He now has excellent credit at age 20. When he gets a job after graduation, he can get his own card. He gets plenty of offers in the mail.

They are not real offers

I get them too and I’ve used them to open accounts.

are you 18?

My DD got a Capital One student card from one of those offers that came in the mail. She was about to turn 19 when she applied.

[Anonymous]

OP. Interesting, just got email from Capital One they sent kid's card .. I assume they sent one but without SSN added to the account, will they be able to report him to bureaus? All this does not make sense. Last week Capital One told me they could not verify kids ssn and I needed to confirm him with credit bureaus. I have not done anything from that point, but credit card is on the way..

[Anonymous]

Does your kid have a checking and/or savings account with a bank? Mine did and I also bank with the same bank. It was easy to add him to my bank credit card since they already had his SSN.

[Anonymous]

Anonymous wrote:Does your kid have a checking and/or savings account with a bank? Mine did and I also bank with the same bank. It was easy to add him to my bank credit card since they already had his SSN.

Yes he has checking in the same bank

[Anonymous]

Anonymous wrote:Discover is probably the easiest if a college kid. Limit of $500 or so.

Oh yeah. I’m 34 and my first card was a Discover with a $500 limit back in like 2012.

Have maintained a good credit score and tend to get good limits on my CC’s now.

[Anonymous]

Anonymous wrote:

Anonymous wrote:Ask your bank about a secured card. Use that and pay the bill for a year. Then apply for a real card. You could probably also do store cards like Target.

+1. This is how I started.

I had a secured credit card and then I had a Sears credit card.

Wow, I was going to say EXACTLY the same thing. My first card was secured and then I got a Sears card.