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Free adult chats without needing a credit card-44

The teen should be an authorized user on the parent's account so the adult can monitor the child's spending.

Additionally, this can help the student build good credit via "piggybacking," a controversial practice that FICO -- creator of the widely used credit score that bears its name -- continues to permit among family members.

Building good credit is a must: It will help you qualify for loans, auto insurance, rental applications, cell phone plans and can even affect whether you get a job. The Credit CARD Act, most of which took effect in 2010, changed the rules of the game.

However, put simply, it still all comes down to being responsible.

While becoming an authorized user has long been a popular choice for students aiming to build good credit, for some it may now be the only choice.

Last modified 19-Feb-2017 11:35