Answer :
If one needs to get a credit card before 2 they need to prove that they have a different income from their parents.
Explanation:
In the US it is easy for anyone over 18 to have a credit card for themselves whoever there is a rule for the prole who are under 21 that is in place to make sure that the credit cards don't reach kids that do not earn for themselves or are adults that cannot earn for themselves yet.
For this the person must be able to provide the proof for their independent income assets and to assure the company that they can pay back the amount they charge.
This is to be done and verified with the parents as they must assure that they have no income and asset that the person is claiming.
The suggestions that rely on the support of a parent or guardian is:
- Get a co-signer.
Get a credit card.
When you are young, due to the lack of credit score it makes it almost impossible to obtain a credit card, much more when you are less than 22 years old, however, based on the recommended infographic, one of the suggestions that involves parents or guardians of the youth is to serve as co-signer.
A co-signer is a person who is responsible, voluntarily, for another's credit in the event that the person does not comply with their payments, in this way, the bank provides a credit card to a young person since their parents , who have a better credit history and therefore a better credit score, would take care of the debt, especially while the young person creates good credit habits.
That is the reason why, the appropriate suggestion that involves parents is that of the co-signer.
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