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|Thu, 08-02-2012 - 9:53am|
Hi everyone - don't know if this has been addressed before, but I'd love any advice on how to get dd19 a credit card. Dd21 never had one during college (and if you've read some of my previous posts, you know why!!) but she just applied for her first through our bank and will likely get it since she has a stable, decent-paying job. Now, dd19 is obviously younger than many college seniors, and doesn't have much in the way of a job/bank account. She is currently interning at a recruiting firm and will continue working for them long-distance about 10 hours a week when she returns to college. After she graduates in May, she is pursuing several areas that may take her away from home (TFA, consulting, etc) and it would certainly be a good thing to have a credit card or some credit history. We talked about it this week - it feels like she just started college and now we're looking at graduation! I can add her to my credit cards, but that won't necessarily help her credit rating, right? How tough is it to get cards like Target or Sears? Are any of the major credit cards easier than others? I have complete faith in her - she is very, very organized and responsible and extremely cautious and frugal, so I am happy to co-sign if needed (not sure if that even applies to credit cards??). Any advice is appreciated. I just realized that she may need to get things like a car or apartment before she even gets her first paycheck if she is far from home and I'm worried that it may be tough for her.