我们相当有信心，作为一个成年人，您会说您对自己的金钱知识水平感到满意，对吗？
如果是这样，我们问你这个问题，你知道答案吗？
您可以获得信用卡的最小年龄是多少？
剧透警报……答案……18 岁。
在今天的博客中，我们想探讨一下为什么 18 岁是您的孩子开始独立建立学分的合适年龄。
我们独立地说，因为从技术上讲，所谓的“授权用户”状态意味着您的孩子实际上可以在 13 岁时作为您信用卡的授权用户开始建立信用，但我们想强调您的孩子开始的重要性在 18 岁获得自己的信用卡后，尽快独立建立信用。
让我们开始吧。
首先，这听起来很简单，但我们的首要原因是您可以。 18 岁是年轻人首次获得信用卡的法定年龄，从小就建立信用的重要性已广为人知。建立良好的信用对于良好的信用评分至关重要。良好的信用评分使购买或租赁房屋、购买或融资汽车、获得尽可能最好的保险费率甚至开办小企业时的事情变得更容易。换句话说，您孩子的信用评分将被证明是他们即将到来的不远未来的一个非常重要的部分，这意味着他们没有理由不应该在他们一开始就立即开始他们的信用建设之旅。能够独立完成。
此外，必须强调从 18 岁开始建立信用，因为信用记录的长度是决定孩子信用评分的第三大因素。除了还款记录和欠款金额（或总债务）之外，建立长期的信用记录是获得良好信用评分的关键。我们已经稍微谈到了为那些在建立和保持良好信用评分方面做得很好的人敞开的大门，所以我们不能低估从 18 岁开始建立信用的必要性仅仅是因为您的信用记录的长度，因为它与您的信用评分有关。
这个博客是否有助于您理解为什么我们认为您和您的孩子应该考虑在 18 岁时立即开始他们的信用建设之旅？如果您同意或不同意我们的理由，或者我们是否遗漏了您想添加的内容，请在此博客的评论中发表意见，让我们知道。
如果您认为此博客有所帮助，我们鼓励您今天就让孩子参加 Explorer Hop 的一项个人理财计划，进一步提高他们的理财知识！
我们为 1 至 12 年级的儿童提供享誉全国和国际的个人理财课程，涵盖的主题包括货币的基础知识和历史、股票市场、全球金融等，因此我们鼓励您立即在线查看我们的课程，并尽快为您的孩子报名。
我们希望很快能在我们的课程中见到您和您的孩子！
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