legal age to have a credit card

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legal age to have a credit card

It took me a couple of minutes to find a site that I could source for this.

The card is valid until the last day of the month indicated, after the last [sic] 1 day of the next month; the card cannot be used to make a purchase if the merchant attempts to obtain an authorization. - Source

  1. This is assumed to be a typo and that it should read ". after the first day of the next month; . "

If you are writing a site which takes credit card numbers for payment:

  1. You should probably be as permissive as possible, so that if it does expire, you allow the credit card company to catch it. So, allow it until the last second of the last day of the month.
  2. Don't write your own credit card processing code. If^H^HWhen you write a bug, someone will lose real money. We all make mistakes, just don't make decisions that turn your mistakes into catastrophes.


The Impact Closing a Credit Card Has on Your Credit Report

“John, I’ve heard if you close a credit card account it can lower your credit scores? That doesn’t make any sense to me. First off, is that true? Second, if it is true, how can I avoid lowering my credit score?”

This is, unfortunately, very true. Closing credit card accounts can result in a lower credit score.

This fuels the argument of some that suggest that credit scores reward consumers who are in debt, but that’s not actually true.

First off, there’s no guarantee that closing a credit card will lower you credit scores. It’s a possibility but certainly is not a definite.

When you close a credit card account you are no longer able to use the credit limit associated with that card.

And, because you are no longer able to use that credit limit, credit scoring models no longer consider the limit in their “balance to credit limit” measurements.

That is the one and only reason why your score could go down by closing credit cards.

If you have two credit cards each with $10,000 credit limits then you have an aggregate credit limit of $20,000.

Let’s say you have a $5,000 balance on one of those credit cards, so your aggregate balance is $5,000.

Your balance to credit limit ratio is calculated by dividing the aggregate balance by the aggregate limit, or $5,000 ÷ $20,000 = 25%.

FYI: 25 percent isn’t a terrible balance to limit percentage, yet.

If you were to close the unused credit card, for whatever reason, then you would not be able to consider the credit limit from that card, so you’d have to pull out $10,000 from the aggregate limit amount.

So, the math now looks like this: $5,000 ÷ $10,000 = 50%. And 50 percent is not good at all.

That’s the one and only reason your score could go down when you close a credit card. This is called a “spike” in your balance to limit ratio.

There are some people who believe your score could go down because you are in less debt. That’s simply not true.

Closing a credit card, like in my example above, doesn’t reduce your debt by even one penny.

If you’re in $100,000 of debt with an open credit card, you’re still in $100,000 of debt with closed credit cards.

The more common myth, as it pertains to closing credit cards and lowering credit scores, is that you lose the value of the age of the account when you close it.

The age of a credit card is determined by a credit scoring model looking at the “Date Opened” field on a credit report and calculating the age of that account.

That process does not change just because the card is closed.

A 10 year old American Express card is still a 10 year old American Express card whether it’s open or closed.

In fact, closed accounts even continue to age.

So, if you have a 10 year old credit card as of today, that credit card will be 11 years old one year from now.

Don’t believe anything you read on the web that suggests you should close newer accounts rather than older accounts because of the age issue.

If you’re going to close a credit card account, then you should choose to close cards with lower credit limits rather than those with higher credit limits.

Closing a retail store credit card with a $1,000 credit limit is going to be much less problematic for your credit score than closing a credit card that has a $25,000 credit limit.

Of course, if by closing a credit card account you go from having a very low balance to limit ratio to, again, having a very low balance to limit ratio, then the impact to your credit scores is likely to be immaterial.

It’s only when, by closing a card, you leave yourself with a much higher balance to limit ratio that you need to be concerned about your scores.

Here’s a bit of free advice…I would never close a credit card before applying for any sort of loan.

Wait until after you close on your loan, and then close any unwanted credit cards.

John Ulzheimer is the Credit Expert at CreditSesame.com, and a credit blogger at SmartCredit.com, Mint.com, and the National Foundation for Credit Counseling. He is an expert on credit reporting, credit scoring and identity theft. Formerly of FICO, Equifax and Credit.com, John is the only recognized credit expert who actually comes from the credit industry. The opinions expressed in his articles are his and not of Mint.com or Intuit. You can follow John on Twitter here.

Terms, conditions, features, availability, pricing, fees, service and support options subject to change without notice.


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Legal age to have a credit card

If you want to use credit or get a loan someday, you should work on raising your credit score. It can take a while to earn a good credit standing, and for the most part, that's how the game is played: with patience and good behavior.

But there are a few tricks to make it easier or faster to increase your credit score.

First a few things on credit scores: They're important, and you should aim to have a good one, but you shouldn't obsess over the numbers. Fluctuations are normal, but keeping tabs on your score will help you make good financial decisions. Watching your score could even help you spot identity theft, because an unexpected score drop could indicate someone is misusing your information.

Keeping track of your score is easy, but make sure you're comparing the same score from month to month. There are free services like Credit.com that provide monthly access to your scores and help in creating a credit game plan you can execute.

Once you know what your score is, you can make a plan to improve it.

If you have no credit or can't get a credit card on your own, explore the option of becoming an authorized user on a credit card. What you do is ask a primary cardholder, like a family member or significant other, if you can get an authorized card in your name on their account. Keep in mind that some scoring systems may give less weight to authorized user accounts than they do to primary accounts, but you would still stand to benefit from them.

While this can be a great way to add payment history to your credit file, it can be a delicate, high-stakes strategy. First, the primary cardholder must be willing to add you to his or her account, and even though this person can be anyone, you should only tie your credit to someone you deeply trust.

This is especially important for the primary cardholder. If you add an authorized user to your credit card account, and that user runs up a huge bill, you're held accountable for it, and your credit score will be affected by the high debt levels or missed payments.

Adding your child as an authorized user on your account can help them build credit from a young age. In fact, the authorized user gets credit for the whole account history, not just the point from which they're added to it. Not only does that establish a credit history, it increases the average age of accounts on your credit report, which is also an important factor in credit scoring.

Primary cardholders should keep in mind that their actions will affect that user. You don't want to trash your kid's credit by adding them as an authorized user to an account that's maxed out or delinquent.

To get a great credit score, you should use as little of your available credit as possible — many experts recommend keeping your credit utilization lower than 30%, and 10% is even better.

That's a huge bummer if your only credit card has something like a $500 limit. Even if you can afford to use more than 30% (or all) of your available credit, you shouldn't, in order to protect your credit score.

If you want to use your credit card a lot but don't want to hurt your credit utilization rate, consider making multiple account payments each billing cycle. You won't know when the credit card company will report your balance to the credit reporting agencies, so paying quickly and often will keep your reported balance very low.

You don't have to pay after every day of transactions (though some people do), but no matter how you approach this strategy, make sure you stay organized so you don't miss the actual due date. Your payment history is the biggest factor of your credit scores.

3. Strategically Open Accounts

Applying for credit should be done sparingly, because applications result in a hard inquiry on your credit report. Recent hard inquiries will dock your score a few points, so the more there are, the more points you lose.

If you have low credit limits and reducing your spending isn't necessary, you could open a new credit card account or two to increase your available credit. The trick is making sure you don't increase your spending beyond what you can afford.

"The long-term benefit to your utilization can far outweigh any short-term loss of points," said Barry Paperno, a four-decade veteran of the credit industry. Paperno cautioned that you should only do this if you don't anticipate needing to apply for a car, home or personal loan in the next six to 12 months. Otherwise, those extra inquiries could hurt you.

This is an obscure one, but Paperno said it came up a lot when he worked with myFICO Forums, a community for conversations about credit.

"You report your card lost," he said. "They close that account, create a new account number for you and move all your history over to that account, including the original open date, and add that new account to your credit report."

If that account has been open for a long time, you now have two trade lines with that length of history, which increases the average age of your credit. Credit age makes up roughly 15% of your credit score.

"I'm not encouraging this, by the way," Paperno said. At one point, he called the practice "borderline unethical," but people do it, and it works. "I think it's more trouble than it's worth. . But it does point out that you can help your score by more than paying down balances and making your payments on time."

Also, different credit card issuers may report a lost or stolen card differently to the credit bureaus, so this hack may not have the desired effect.


Can a Ten Year Old Get a Debit Card or Credit Card?

Plastic: we love it, we hate it, but it’s just that convenient! Now days, physical money just isn’t used as much as it once was. We have made the switch over to plastic cards, which magically transfer the owed balance to those we are indebted to. Well, not really; that magnetic strip sends everything the computer needs to know within a nanosecond, giving you the ability to pay quickly and easily. However, it can be tricky for kids to get these handy dandy cards, and with good reason: legal consent age is 18. Therefore, your parents might have to lend you a hand.

Unfortunately, kids cannot open their own credit card accounts. The reason is because credit cards don’t operate on your money; they operate with borrowed money. You use it to pay for something immediately, then you pay the company back later. In order for a credit company, such as Capital One, Chase, or American Express to give you access to money, you have to sign a contract saying that you are responsible. If you aren’t 18, you can’t sign a legal document. So no, a 10 year old cannot get their own credit card.

Although, your parents’ account MAY allow them to issue a credit card in your name! You will need to ask your mother or father about this. However, a parent will not even consider this if you’re not aware of money management or how a credit card works.

Usually, anyone under the age of 18 cannot open banking accounts. However, there are some that will with a parent’s signature. They can open the accounts for their children, but they are held liable for charges or overdrafts. If your parents’ banking institution allows this, then yes! A ten year old can get a debit card!

You should ask your mother or father to call or visit their banking institution. Then, they can ask a teller or manager whether or not they offer special kid’s banking accounts. If nothing else, most banks offer savings accounts for children. While this might mean you will not be getting a debit card, it means you will have a safe place to store your money until it is needed!