Because you are under 21, you probably will likely need to have someone add you as an authorized user or a joint account holder in order to get a credit card. The Credit Card Accountability, Responsibility and Disclosure, or Credit CARD, Act prohibits you from getting a credit card without an authorized user or a joint account holder in order to protect you. The law says you have to have an authorized user or a joint account holder or demonstrate the ability to repay, unless you can prove independent means of income.
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Scoped on: 03/15/2016