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This can be easier said than done, as many major issuers won’t allow cosigners, but not all credit card issuers frown on cosigners; here are some of our top picks.Before running out and finding a cosigner, be sure you understand what it is you’re asking them to do. Those who cosign for a debt — and yes, your credit card balance represents a not).For example, time (and the power of compound interest) can make even modest retirement savings soar if started when you first enter the workforce.Similarly, the sooner you start establishing good credit, the higher the score you can reach, since the length of your credit history is up to 15% of your FICO score.Students | Prepaid | Cosigners Without a cosigner, those under the age of 21 who wish to obtain a credit card under their own name will need to have a regular income substantial enough to repay any credit card debt.At the same time, that income doesn’t necessarily need to be from a job, which can open up some doors — particularly for students. Because you can typically report extra money from scholarships, grants, and fellowships as income on a credit card application.While the CARD Act seeks to protect young people from taking on credit card debt they cannot repay, it can be an inconvenience for those who are unable to obtain a credit card as a result, particularly in the modern world of digital payments.If you are between the ages of 18 and 20 and cannot meet the requirements to obtain a credit card under the CARD Act, your best solution may be to obtain a prepaid credit card.
Additionally, it’s not just your cosigner’s wallet on the hook if you misbehave with your new credit card; the cosigner’s credit will also be impacted by the credit card account, as the account will show up on the cosigner’s credit reports.In one fell swoop, the CARD Act limited the options for 18-year-olds to obtain credit from the entire consumer marketplace down to a handful of issuers and cards.But while limited, card options are still out there to help you start building credit.While it may seem restrictive, the heart of the CARD Act’s age restrictions were designed to prevent young people from taking on credit card debt they couldn’t repay.As such, if you cannot show you have a reliable income to repay your debts, you’ll need a creditworthy cosigner who can vouch for your ability to pay your debts.