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It’s a tricky question of how old you need to be to apply for a credit card.You can be under 18 and get signed on as an authorized user, but you have to be at least 18 to legally sign a contract, which means you can’t have your own card until then.Count on a hefty annual fee with these cards, but the benefits can make it worthwhile if you are a frequent traveler.If you have already incurred credit card debt, this kind of card can be a good way to avoid the crushing interest charges of carrying a balance.These cards vary widely, from loyalty brands to flat rates for all purchases.More complicated than cash back, this is a good way to save hundreds of dollars a year – provided you are reasonably organized.
A few have cashback benefits, and many have features for organizing your budget.
Finally, you can be charged late charges, over-limit fees, and you can even lose the privilege of having the card if you don’t abide by the rules.
That’s why it’s important to read the rates and fees link on the card’s landing page.
By paying a refundable deposit of say, 0, you basically borrow off of that money with a credit limit that usually matches the deposit.
For example, with the Discover it Secured Card, there is no annual fee, and your account is reviewed after 8 months to see if you can transition to an unsecured line of credit, meaning no deposit is needed.