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After 18, age is not the issue, it's your credit rating. You could be 50 and need a cosigner if your credit is bad.

The way to good credit is to pay all your bills and credit charges within the grace period. Credit cards are a great way to work your credit rating up, but they are dangerous if you don't use them correctly!

Think clearly about what you buy. If you can't afford it, don't buy it.

Always pay the balance due within the grace period.

Only use your credit card to buy what you can afford to pay back.

Never spend credit you cannot pay back at the end of the month.

If you have to spend more than you can pay back at notice, pay it down as fast as you can.

Your credit rating has allot to do with "Available Credit" which means the amount of credit granted to you that you do not have obligated.

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12y ago

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