Should I get a credit card at 18 ? This is a common question most of the Teens are having even in developed countries including USA. Actually if you can apply for a credit card at your 18, that will be beneficial for your financials in future. Early you service your credit card with care, you will earn a good credit score.

On the other hand, address it properly and you’ll find that it is an important step in beginning to establish your credit history with your bank. This will eventually enable you to qualify for car loans & mortgages with better rates.

But Are you ready to get a credit card at your 18 ? If you get a credit card at 18, will it affect your habits? May be your habits doesn’t allow you to use the credit card it a correct way.

Even you are a teenager or adult, you habits , personal characteristics matters your behavior. The behavior matter your financial discipline. So before you get your credit card at 18 try our “should I get a credit card at 18” quiz and find out, are you suitable to get a credit card.

What is the average age to get a credit card?

When taking into account authorized users, the average age at which Americans receive their first credit card is 20 years on age.

Almost half of people (54.3%) got their first credit card when they were between 18-20years old, while only around one fifth (4%) were under eighteen. Around 30% of people got their first credit card when they were between 21-24yrs old.

Is getting a credit card at 18 a bad idea?

No, its not a bad idea. But, it’s best to wait until you are confident in paying off balances on time, paying them off fully each month, balancing other expenses like rent & tuition.

Can you get a credit card at eighteen without job ?

Yes. You can apply for a credit card at eighteen even without a job. Most credit card applications have a section for income, but you can also put unemployed, student or homemaker. If you’re under 21 years old, you’ll need your own income source to qualify for one. Or you can apply a credit card as the dependent. That is call a supplementary credit card. So the main card holder will be the borrower and you can become the supplementary card holder. The borrower will pay credit card bills and you can enjoy the credit card as you wish.

At what age can you get a credit card in Alabama?

In the U.S., you must be at least eighteen years old to get a credit card, and if you’re under 21 then either your must present proof of your independent income and assets or a co-applicant should sign your credit card agreement as required by the Credit CARD Act of 2009.

Lets play ‘Should I Get A CC At 18’ Quiz

How old are you?
18
16
between 19-25
25+

Correct!

Wrong!

Do you have a partner?
Yes
No
Some times
I don't want to tell

Correct!

Wrong!

Why do you want a credit card?
To cover my living expences
To use it for emergency
Enjoy seasonal discounts
I dont know

Correct!

Wrong!

Do you Smoke?
Yes
No
Some times
Rarely

Correct!

Wrong!

What is your favorite habit?
Clubbing
Travelling
Eating and shopping
None of the above

Correct!

Wrong!

What is your income source?
I m a student.
I do part time earnings
freelancing
cannot reveal.

Correct!

Wrong!

If some one give you  $10,000 what would you do?
Buy a property with full amount
Buy a property with half of amount and balance half will spend for fun.
Start a business with full amount
start a buiness with half of amount and balance half will spend for fun.

Correct!

Wrong!

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