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It has to do with how the scoring models are set up.

But college students can be limited in how they access a card. If not, look at becoming an authorized user on an experienced consumer’s account.

We have a generation that never understood how to use credit properly and we now have higher claims of bankruptcy than we have ever had as a nation.

The recession started because our nation was growing too fast for itself, people were taking out loans for homes they could not afford and the banks were letting them.

New Federal laws impose restrictions on issuing credit cards to individuals under 21 unless the applicant has the independent ability to repay debt, or has an adult co-signer who agrees to accept joint liability for the account. There are also cards that offer no annual fee and even cashback rewards.

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