“How Young Can You Start Building Credit?”

Starting to build credit is a crucial milestone as you step into adulthood. Think of credit as your financial passport—it’s what helps you secure loans, buy a car, rent an apartment, or make significant financial decisions. It gives lenders and landlords a picture of your financial responsibility. But here’s the catch: if you’re just turning 18, establishing a good credit score can feel like an uphill battle without any credit history.

One of the easiest ways to start building credit is by using a credit card and paying off your balance consistently. However, without any previous credit, getting approved for most credit cards can be tough, leaving many young adults unsure of where to begin.

The good news? You don’t have to wait until you’re 18 to start laying the groundwork for credit. There are plenty of strategies to start building credit even earlier. If you or your kids want to get off to a strong start, here are some practical steps to consider:

**Become an Authorized User**
Getting your own credit card before turning 18 is nearly impossible, but you can still build credit by becoming an authorized user on a parent’s credit card. This allows you to benefit from the primary cardholder’s good credit history. Keep in mind, though, this requires a lot of trust since both your credit profiles become linked.

**Get a Job**
While having a job doesn’t directly impact your credit, it helps prepare you for the future. When you eventually apply for credit—whether it’s a credit card or something else—having an employment history shows lenders that you have the means to repay debt. Starting a part-time job in your teens not only builds a solid work history but also signals your financial responsibility when it’s time to apply for credit.

**Look Into Secured Credit Cards**
If you’re 18 and just starting out, a secured credit card could be a great option. Secured cards require a deposit—say, $1,000—which then becomes your credit limit. They function like regular credit cards but are easier to qualify for because they’re tied to actual money. Consistently using a secured card responsibly can pave the way for upgrading to an unsecured card down the line.

**Consider a Student Credit Card**
If you’re going to college, student credit cards can be an excellent starting point. These cards are typically designed for beginners, offering easier approval requirements and sometimes bonus perks for responsible use. Signing up for a student card can help you build credit while managing your expenses during college.

**Build Good Financial Habits**
No matter your age, strong financial habits are key to establishing good credit. Building credit is a long-term commitment, and undoing poor credit decisions can take a long time. Pay your bills on time and, when possible, aim to pay off your full balance each month. These habits will set you up for a healthy credit score down the road.

**Start Young, But Be Strategic**
While age can factor into building credit, it doesn’t have to hold you back. Even though you can’t apply for a credit card on your own until you’re 18, there are ways to get a head start. The earlier you begin developing good financial habits, the better. Think of it like saving money—the sooner you start, the more you’ll benefit in the long run. From becoming an authorized user in your teens to exploring secured or student credit cards in your twenties, every step helps grow your credit profile over time.

When you or your kids are ready to begin this journey, make it a priority. As soon as you hit 18, don’t hesitate to start building a strong credit score—it’s a foundation that will support you for years to come.