The Credit Card Accountability Responsibility and Disclosure Act of 2009 has put safety measures in place for those under 21 looking to acquire credit. Now either a cosigner or verifiable income to repay the debt is required—which lessens the likelihood that you’ll fall victim to predatory credit offers and helps to keep your credit limits reasonable for your income.
Some credit card companies offer cards suited to students and credit newcomers. It can also be easier to get approved for department store and gas station cards.
Beware, though, because they may have high interest rates. This is why it’s critical to only charge what you can pay off within a billing cycle.