How to Get Credit Cards For Teens

Credit cards for teens? Is this a good idea? With today's economy, and so many unable to pay what they owe, it may seem a credit card and a teenager should not be mixed. But, how will young people learn about some of these issues if they don't have some first hand experience? Could it possibly be that letting teens establish and control some credit at a young age is a good idea that will help them make better choices later?

Things You'll Need

  • Internet
  • Telephone
  • Patience
  • Teen (or younger)

Instructions

    • 1

      For information about credit cards for teenagers, check out this site: www.discovercard.com: If a teen is under 18 years of age, a credit card will not be made available without someone on the account who is over 18, and therefore legally responsible for any balance. At the Discover Card site you will find information on a card that will allow you to add money to a card that is connected to yours. This works as a credit card, and gives the teen the experience of using plastic, while it gives you the chance to have some control over amounts spent, and where money is spent. That's right-you can actually control some ways the card is used.

    • 2

      Check the site www.payjr.com: Here you will learn about a product called Visa Buxx. This is a reloadable prepaid card for kids who are 13 years old and up. These cards work the same as a credit or debit card, and you can limit the amounts available.

      They also include information on this site about a separate program offered for kids 12 years old and under.

    • 3

      American Express, Visa, and even Walmart offer prepaid cards that some refer to as gift cards. These can be used to help kids learn about credit, and making money last for a certain period of time.

    • 4

      Check where you have your checking account for a credit card for teens. There may be a program similar to these at your local bank that will help a teen learn about money and credit. Teens are just a squeak away from being us, and having to deal with balancing the adult world. Let them learn about credit with your help before they learn from a bad experience.

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