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Made some mistakes in the past with my credit so trying to make sure my kids have a good jump start on credit and know how to use it!
Added my daughter last year as AU on a few of my cards and opened up a checking and savings account with NFCU for her as well. She turned 18 today and current TU score was a 762 for her with just the AU cards showing up.
Applied for the NFCU cash rewards card and she got an instant $8000 approval at 11.15% rate! HP on TU.
Checked Discover and she was prequalified for the Discover IT so applied and instant approval for $3500. No HP as of yet.
Plan to get her one more card after a few months but will just have her keep one at a time to use for gas and food and rotate them out.
Also going to be cosigning with her on a car this summer before she heads to college.
Just wanted to share for others looking to get their kids started. Excited for her and the approvals too because I am in the garden for a long time. Love NFCU and highly suggest them to anyone able to join.
Congrats to DD
WOW. Excellent excellent APR for an 18 year old and great starting line for a student. I never had the credit discussion with my parents before I went to college and one of my biggest regrets.
congrats on all the approvals for your daughter!
she is looking to have a bright credit future!
cheers to being a great parent