How old do you have to be to get a credit card?

/in /by zxdev
Few things in your adult life are more important than a healthy credit profile. It can open doors to favorable mortgage and auto loan rates, housing application approvals, and even free travel through rewards credit cards.
That’s why you should begin building credit as soon as you possibly can. One of the best ways to do this is by opening a credit card and using it responsibly. But at what age can you get a credit card?
What is the minimum age for getting a credit card?
You must be at least 18 years old to apply for your own credit card. Anyone under 21 may need to include their independent income (or list a co-signer), as the Credit Card Accountability Responsibility and Disclosures Act of 2009 demands that credit card issuers assess whether young people have reasonable means to pay their credit card bill.

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Best Discover credit cards for 2025

/in /by zxdev

Discover credit cards offer excellent ways to earn valuable rewards, and there are no annual fees to worry about. They aren’t widely accepted abroad, but using Discover cards nationwide typically isn’t an issue. There are also various cards to choose from, from cash-back cards to student cards.

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The best credit cards for 2025

/in /by zxdev

Choosing the right credit card can result in major savings over time. Whether you want to rack up airline miles, earn cash back on everyday purchases, or pay off a big purchase with 0% APR, there’s probably a card that fits your budget. Here are our picks for the best credit cards available in different categories, from travel cards to balance transfer cards.

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How to Pick the Best Credit Card for You: 4 Easy Steps

/in /by zxdev
Finding the best credit card is part art, part science.
No single credit card is better than all others in all categories — or for all people. But by understanding your options and asking the right questions, you can find the card that’s the best fit for your spending habits and credit situation.

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Tips for Getting Your First Credit Card

/in /by Online Credit Lines

If you’re trying to get your first credit card, it’s important to have a few considerations beforehand. Here are some things to keep in mind.

  1. Determine why you want a credit card in the first place.
  2. Consider if you have financial means.
  3. Consider a secured card.
  4. Ensure you read any fine print.
  5. Consider your credit future.

Image via Upgraded Points.

What Is the Average Amount of Credit Cards to Have?

/in /by Online Credit Lines

A study done by Gallup reveals that the average person has 2.6 credit cards, however, this statistic is a bit off because it also includes the 29 percent of Americans who don’t have credit cards. Those with more credit cards are often able to have more due to having higher credit scores.

Below is a chart of the poll.

Number of Credit Cards Percentage of Americans
0 29%
1-2 33%
3-4 18%
5-6 9%
7 or more 7%

Continue to original source.

Image via Business Insider.

Lowering Credit Card Fees

/in /by Online Credit Lines

It’s a little known secret that you can lower your annual credit card fees. Yes, you read that correctly: Although credit card fees seem daunting and overwhelming, they aren’t immovable!

In fact, all you have to do is reach out to your bank and ask them to lower your fees, and most of the time they’ll oblige. You can usually do this up to two times a year, but that depends on the bank. If you always pay on time and threaten to stop using their card, that could also help your chances.

The more you know!

Image via PYMNTS.

Common Credit Card Questions People Wonder About

/in /by Online Credit Lines

The internet is full of information about credit cards, yet people still wonder what the best choice is for them. Here are questions people wonder about…

Is it a good idea to cosign for family members? You should probably never cosign on a card for family. If they default, you’re on the hook.

Should cards with higher interest and balances be paid off first?  It is probably a good idea to do so because this will free up more money in your budget.

How often is too often to check a credit score?  You can never check too often. This way nothing will surprise you.

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Disputing Charges On Your Credit Card Statement

/in /by Online Credit Lines

Believe it or not, your credit card company can make mistakes too. You should read your report and see if there are any additional or double charges that should be disputed. If you wait too long to dispute charges, it may be too late and you’ll still be liable for paying them.

A few examples would be if your gym charged you an extra month. Or, if you  cancel a flight and the airline still charges for baggage fees.

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How To Pay Off A Credit Card The Smart Way

/in /by Online Credit Lines

An option to pay off your credit card debt fast is to move your debt from a credit card to a home equity line of credit. Another term for it is HELOC. It can substantially decrease the amount of interest you pay. It is a smaller risk to lenders than other types of loans. That means a lender typically will let you borrow at an interest rate much lower.

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