First CC for my 19yo son!

[noonway]

My 19yo son has zero credit history. I mean zero. I went to grab his 3B today and all three sites threw all kinds of errors. haha!

Anywho, I was about to get ready to plan to go into my local CU and request an SSL and/or secured card or bite the bullet and add him as an AU on one my cards but then on a whim I decided to check out what was available for students.  Not much, honestly...  Capital One and BoA both declined him on student and secured cards.  But then DISCO!

Discover Student card CLI $500

I'm a proud poppa who can now say I have helped him start his journey. My daughter turns 18 in December and I'm going to make an effort to start her even earlier. Kudos to many of you for the ideas!

[pizzadude]

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@noonway wrote:

My 19yo son has zero credit history. I mean zero. I went to grab his 3B today and all three sites threw all kinds of errors. haha!

Anywho, I was about to get ready to plan to go into my local CU and request an SSL and/or secured card or bite the bullet and add him as an AU on one my cards but then on a whim I decided to check out what was available for students.  Not much, honestly...  Capital One and BoA both declined him on student and secured cards.  But then DISCO!

Discover Student card CLI $500

I'm a proud poppa who can now say I have helped him start his journey. My daughter turns 18 in December and I'm going to make an effort to start her even earlier. Kudos to many of you for the ideas!

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Congrats on setting him for success !  Disco Student is a great starter card

[MissLiz]

Congratulations to your son!

[keekers]

Congrats. Disco is a good student card for sure.  Chase Freedom Rise is another good one for just starting out.

[NoMoreDebt]

Congrats

[IcyCool7227]

You know there used to be a Deserve credit card for students but they have paused new applicants from getting it for some reason and no longer has a page of it's own. But there are other ones in case he's interested. These are probably already ones tried:

- Bank of America® Unlimited Cash Rewards credit card for Students (https://www.bankofamerica.com/credit-cards/products/unlimited-cash-back-student-credit-card/)

- Capital One SavorOne Student Cash Rewards Credit Card

- Also there's a student Quicksilver version

(https://www.kiplinger.com/personal-finance/credit-cards/the-best-reward-cards-for-students)

But then there's this one:

- Fizz student debit card that builds credit (not very well known yet): (https://joinfizz.com). Has cashback offers too.

and of course Discover Student Chrome which I'm sure you already know about.

[noonway]

Nice! Yes, we tried all of those except Fizz.  Thanks for the tip, we'll take a look!

[Rdbeetle]

Congrats on your son's Discover approval!

[cashorcharge]

That’s Terrific!! Congratulations to your son on his Approval!!👏🏼🍾🥂

[titancylinder]

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@noonway wrote:

My 19yo son has zero credit history. I mean zero. I went to grab his 3B today and all three sites threw all kinds of errors. haha!

Anywho, I was about to get ready to plan to go into my local CU and request an SSL and/or secured card or bite the bullet and add him as an AU on one my cards but then on a whim I decided to check out what was available for students.  Not much, honestly...  Capital One and BoA both declined him on student and secured cards.  But then DISCO!

Discover Student card CLI $500

I'm a proud poppa who can now say I have helped him start his journey. My daughter turns 18 in December and I'm going to make an effort to start her even earlier. Kudos to many of you for the ideas!

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Just an FYI, you can add someone to a Discover account as early as 15 as an authorized user. 

You do not need to wait until 18 to start building your children's credit.