{"id":34728,"date":"2025-09-23T00:00:50","date_gmt":"2025-09-23T07:00:50","guid":{"rendered":"https:\/\/rizecu.com\/?p=34728"},"modified":"2025-09-09T08:00:51","modified_gmt":"2025-09-09T15:00:51","slug":"build-credit-before-18","status":"publish","type":"post","link":"https:\/\/rizecu.com\/es\/article\/build-credit-before-18\/","title":{"rendered":"How to build credit before you\u2019re 18"},"content":{"rendered":"<div data-elementor-type=\"wp-post\" data-elementor-id=\"34728\" class=\"elementor elementor-34728\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-01892d0 e-flex e-con-boxed e-con e-parent\" data-id=\"01892d0\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d295c1b elementor-widget elementor-widget-image\" data-id=\"d295c1b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"image.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<img fetchpriority=\"high\" decoding=\"async\" width=\"1080\" height=\"460\" src=\"https:\/\/rizecu.com\/wp-content\/uploads\/2509-Teen-Credit-Before-18-banner.webp\" class=\"attachment-large size-large wp-image-34729\" alt=\"teen girl using credit card on cellphone\" srcset=\"https:\/\/rizecu.com\/wp-content\/uploads\/2509-Teen-Credit-Before-18-banner.webp 1080w, https:\/\/rizecu.com\/wp-content\/uploads\/2509-Teen-Credit-Before-18-banner-768x327.webp 768w, https:\/\/rizecu.com\/wp-content\/uploads\/2509-Teen-Credit-Before-18-banner-18x8.webp 18w\" sizes=\"(max-width: 1080px) 100vw, 1080px\" \/>\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-fd57dbb e-flex e-con-boxed e-con e-parent\" data-id=\"fd57dbb\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-fb4325c elementor-widget elementor-widget-text-editor\" data-id=\"fb4325c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<span style=\"font-size: 24px; color: #3d1054;\">Start your credit journey early \u2013 the right way<\/span>\nMost teens don\u2019t think about credit until they need it \u2013 for a car loan, apartment, or even a cellphone plan. The problem? If you wait until then to start, you may face higher interest rates, bigger deposits, or even denials.\n\nThe good news is, you can start building credit history before you turn 18 \u2013 and you don\u2019t have to go into debt to do it.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6d70d83 e-con-full e-flex e-con e-child\" data-id=\"6d70d83\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-4021a45 e-con-full e-flex e-con e-child\" data-id=\"4021a45\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-2d945e0 e-con-full e-flex e-con e-child\" data-id=\"2d945e0\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b884b5a elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"b884b5a\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" id=\"Layer_1\" data-name=\"Layer 1\" viewbox=\"0 0 50 50\"><defs><style>      .cls-1 {        isolation: isolate;      }      .cls-2 {        fill: #3d1054;        stroke-width: 0px;      }    <\/style><\/defs><g class=\"cls-1\"><path class=\"cls-2\" d=\"M49,25c0,13.3-10.7,24-24,24S1,38.3,1,25,11.8,1,25,1s24,10.8,24,24ZM26.2,13.3c-.7-.4-1.5-.4-2.2,0l-5.2,3c-1.1.6-1.5,2-.8,3.1s2,1.5,3.1.8l1.9-1.1v13.4h-4c-1.2,0-2.2,1-2.2,2.2s1,2.2,2.2,2.2h12c1.2,0,2.2-1,2.2-2.2s-1-2.2-2.2-2.2h-3.8V15.3c0-.8-.3-1.6-1-2Z\"><\/path><\/g><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-921e1be e-con-full e-flex e-con e-child\" data-id=\"921e1be\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-f4a5985 elementor-widget elementor-widget-text-editor\" data-id=\"f4a5985\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<span style=\"font-size: 24px; color: #3d1054;\">Become an authorized user\n<\/span>Ask a parent or guardian if they can add you as an authorized user on one of their credit cards. You\u2019ll get your own card, but the payment history will show up on your credit report, helping you establish credit early.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5ac538b elementor-icon-list--layout-traditional elementor-list-item-link-full_width elementor-widget elementor-widget-icon-list\" data-id=\"5ac538b\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon-list.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<ul class=\"elementor-icon-list-items\">\n\t\t\t\t\t\t\t<li class=\"elementor-icon-list-item\">\n\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-icon\">\n\t\t\t\t\t\t\t<i aria-hidden=\"true\" class=\"fas fa-lightbulb-on\"><\/i>\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-icon-list-text\">Only do this if the account is in good standing \u2013 bad habits will hurt your score.<\/span>\n\t\t\t\t\t\t\t\t\t<\/li>\n\t\t\t\t\t\t<\/ul>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-e2d72d0 e-con-full e-flex e-con e-child\" data-id=\"e2d72d0\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-c51ae5a e-con-full e-flex e-con e-child\" data-id=\"c51ae5a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-e60cdf8 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"e60cdf8\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" id=\"Layer_1\" data-name=\"Layer 1\" viewbox=\"0 0 50 50\"><defs><style>      .cls-1 {        isolation: isolate;      }      .cls-2 {        fill: #3d1054;        stroke-width: 0px;      }    <\/style><\/defs><g class=\"cls-1\"><path class=\"cls-2\" d=\"M1,25C1,11.8,11.8,1,25,1s24,10.7,24,24-10.7,24-24,24S1,38.3,1,25ZM21.9,16.8c.7-.5,1.5-.8,2.4-.8h.3c1.9,0,3.4,1.6,3.4,3.5s-.4,1.9-1.1,2.5l-10.2,9.6c-.7.6-.9,1.6-.6,2.5.3.9,1.2,1.4,2.1,1.4h13.5c1.2,0,2.2-1,2.2-2.2s-.9-2.3-2.1-2.3h-7.8l6-5.6c1.6-1.5,2.5-3.6,2.5-5.8,0-4.4-3.5-7.9-7.9-8h-.3c-1.9,0-3.7.6-5.2,1.7l-2.2,1.7c-1,.8-1.2,2.2-.4,3.2.8,1,2.2,1.2,3.1.4l2.3-1.8h0Z\"><\/path><\/g><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-6b710a9 e-con-full e-flex e-con e-child\" data-id=\"6b710a9\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-ea72bac elementor-widget elementor-widget-text-editor\" data-id=\"ea72bac\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<span style=\"font-size: 24px; color: #3d1054;\">Open a joint account\n<\/span>Some credit unions, including Rize, allow teens to open accounts jointly with a parent or guardian. While checking and savings accounts don\u2019t build credit on their own, managing them responsibly lays the foundation for smart financial habits.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-d68716a e-con-full e-flex e-con e-child\" data-id=\"d68716a\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-1526545 e-con-full e-flex e-con e-child\" data-id=\"1526545\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-275aa3c elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"275aa3c\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" id=\"Layer_1\" data-name=\"Layer 1\" viewbox=\"0 0 50 50\"><defs><style>      .cls-1 {        isolation: isolate;      }      .cls-2 {        fill: #3d1054;        stroke-width: 0px;      }    <\/style><\/defs><g class=\"cls-1\"><path class=\"cls-2\" d=\"M1,25C1,11.8,11.8,1,25,1s24,10.7,24,24-10.7,24-24,24S1,38.3,1,25ZM16,15.3c0,1.2,1,2.2,2.2,2.2h6.2l-4.8,4.3c-.7.6-.9,1.6-.6,2.5s1.2,1.4,2.1,1.4h4.8c1.9,0,3.4,1.5,3.4,3.4s-1.5,3.4-3.4,3.4h-2.6c-1.3,0-2.4-.6-3.1-1.7l-.2-.4c-.6-1.1-2-1.4-3.1-.7-1.1.6-1.4,2-.7,3.1l.2.4c1.5,2.4,4.1,3.9,6.9,3.9h2.6c4.4,0,7.9-3.5,7.9-7.9s-3.1-7.4-7-7.8l4.8-4.4c.7-.6.9-1.6.6-2.5-.2-.9-1-1.5-1.9-1.5h-12c-1.3,0-2.3,1-2.3,2.3Z\"><\/path><\/g><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-a899b73 e-con-full e-flex e-con e-child\" data-id=\"a899b73\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-2d53314 elementor-widget elementor-widget-text-editor\" data-id=\"2d53314\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<span style=\"font-size: 24px; color: #3d1054;\">Learn the credit basics now\n<\/span>Your credit score is based on factors like payment history, amounts owed, length of credit history, and more. Understanding how it\u2019s calculated will help you make smart choices once you have credit in your own name.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-04e827b e-con-full e-flex e-con e-child\" data-id=\"04e827b\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t<div class=\"elementor-element elementor-element-12ab57c e-con-full e-flex e-con e-child\" data-id=\"12ab57c\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-afb9357 elementor-view-default elementor-widget elementor-widget-icon\" data-id=\"afb9357\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"icon.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-icon-wrapper\">\n\t\t\t<div class=\"elementor-icon\">\n\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" id=\"Layer_1\" data-name=\"Layer 1\" viewbox=\"0 0 50 50\"><defs><style>      .cls-1 {        isolation: isolate;      }      .cls-2 {        fill: #3d1054;        stroke-width: 0px;      }    <\/style><\/defs><g class=\"cls-1\"><path class=\"cls-2\" d=\"M49,25c0,13.3-10.7,24-24,24S1,38.3,1,25,11.8,1,25,1s24,10.8,24,24ZM22,13.1c-1.2-.4-2.5.2-2.9,1.4l-4.5,13.5c-.2.7-.1,1.4.3,2s1.1.9,1.8.9h9.8v3.8c0,1.2,1,2.2,2.2,2.2s2.2-1,2.2-2.2v-3.7h.8c1.2,0,2.2-1,2.2-2.2s-1-2.2-2.2-2.2h-.7v-5.3c0-1.2-1-2.2-2.2-2.2s-2.2,1-2.2,2.2v5.3h-6.6l3.4-10.6c.4-1.2-.2-2.5-1.4-2.9Z\"><\/path><\/g><\/svg>\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-3084271 e-con-full e-flex e-con e-child\" data-id=\"3084271\" data-element_type=\"container\" data-e-type=\"container\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4887391 elementor-widget elementor-widget-text-editor\" data-id=\"4887391\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<span style=\"font-size: 24px; color: #3d1054;\">Consider a secured card\n<\/span>Once you turn 18, a secured credit card is a great first step. You put down a deposit, say $300, which becomes your credit limit. Use it for small purchases and pay it off in full each month to show lenders you\u2019re responsible.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-69c3047 elementor-widget elementor-widget-text-editor\" data-id=\"69c3047\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<span style=\"font-size: 24px; color: #3d1054;\">The Rize advantage for teens\n<\/span>Rize Credit Union offers <a title=\"youth-friendly products\" href=\"\/es\/cuentas-de-cheques\/cheques-jovenes\/\">youth-friendly products<\/a> and guidance to help you start your financial life strong \u2013 plus access to <a title=\"financial coaching\" href=\"\/es\/orientacion-financiera-2\/\">financial coaching<\/a> so you can understand credit, budgeting, and saving before you need it.\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8d34401 elementor-share-buttons--view-icon elementor-share-buttons--shape-circle elementor-share-buttons--color-custom elementor-share-buttons--skin-gradient elementor-grid-0 elementor-widget elementor-widget-share-buttons\" data-id=\"8d34401\" data-element_type=\"widget\" data-e-type=\"widget\" data-widget_type=\"share-buttons.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<div class=\"elementor-grid\" role=\"list\">\n\t\t\t\t\t\t\t\t<div class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t\t<div class=\"elementor-share-btn elementor-share-btn_facebook\" role=\"button\" tabindex=\"0\" aria-label=\"Compartir en facebook\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-share-btn__icon\">\n\t\t\t\t\t\t\t\t<i class=\"fab fa-facebook\" aria-hidden=\"true\"><\/i>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t\t<div class=\"elementor-share-btn elementor-share-btn_x-twitter\" role=\"button\" tabindex=\"0\" aria-label=\"Compartir en x-twitter\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-share-btn__icon\">\n\t\t\t\t\t\t\t\t<i class=\"fab fa-x-twitter\" aria-hidden=\"true\"><\/i>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t\t<div class=\"elementor-grid-item\" role=\"listitem\">\n\t\t\t\t\t\t<div class=\"elementor-share-btn elementor-share-btn_linkedin\" role=\"button\" tabindex=\"0\" aria-label=\"Compartir en linkedin\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-share-btn__icon\">\n\t\t\t\t\t\t\t\t<i class=\"fab fa-linkedin\" aria-hidden=\"true\"><\/i>\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>","protected":false},"excerpt":{"rendered":"<p>Start your credit journey early \u2013 the right way Most teens don\u2019t think about credit until they need it \u2013 for a car loan, apartment, or even a cellphone plan. The problem? If you wait until then to start, you may face higher interest rates, bigger deposits, or even denials. The good news is, you [&hellip;]<\/p>\n","protected":false},"author":5,"featured_media":34729,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[28],"tags":[],"class_list":["post-34728","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-the-teen-scene"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>How to build credit before you\u2019re 18 | Rize Credit Union<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/rizecu.com\/es\/article\/build-credit-before-18\/\" \/>\n<meta property=\"og:locale\" content=\"es_MX\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"How to build credit before you\u2019re 18 | Rize Credit Union\" \/>\n<meta property=\"og:description\" content=\"Start your credit journey early \u2013 the right way Most teens don\u2019t think about credit until they need it \u2013 for a car loan, apartment, or even a cellphone plan. The problem? If you wait until then to start, you may face higher interest rates, bigger deposits, or even denials. The good news is, you [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/rizecu.com\/es\/article\/build-credit-before-18\/\" \/>\n<meta property=\"og:site_name\" content=\"Rize Credit Union\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/RizeCreditUnion\" \/>\n<meta property=\"article:published_time\" content=\"2025-09-23T07:00:50+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/rizecu.com\/wp-content\/uploads\/2509-Teen-Credit-Before-18-banner.webp\" \/>\n\t<meta property=\"og:image:width\" content=\"1080\" \/>\n\t<meta property=\"og:image:height\" content=\"460\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/webp\" \/>\n<meta name=\"author\" content=\"Dawn M\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@RizeCreditUnion\" \/>\n<meta name=\"twitter:site\" content=\"@RizeCreditUnion\" \/>\n<script type=\"application\/ld+json\" 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