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The cards you could conceivably get using a co-signer will therefore only be as good as the co-signer’s credit standing will allow.Senior citizens often wonder if there is any age limit when it comes to applying for a new credit card. It would be considered discrimination for a credit card company to deny an adult applicant simply because they are “too old.” Many parents have a game plan of sorts for teaching their children the tenets of responsible money management.The basic progression required to raise a financially literate child generally entails: The credit card options that are available to underage consumers depends on how you define “underage.” If you are between the ages of 18 and 21, you can typically get a student credit card, secured card, or other starter credit card without a co-signer.

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That’s true regardless of your age, though the required minimum payment will likely be higher for consumers with more extensive credit experience as they are likely to have higher credit limits and spend more on a monthly basis.

Again, you cannot get your own credit card if you’re under the age of 18 – even with a co-signer.

Is it illegal for a large department store to offer young boys and girls the chance to open a credit card, lying to them that there is no problem and of course it is denied but the associate builds her credit score for the store? There is no age limitation, as it would be considered discrimination for a credit card company to deny an adult applicant simply because they are “too old.” With that being said, your chances of approval for a given credit card will depend on a variety of other factors such as your credit standing and disposable income.

And if you haven’t had an open credit card account in your name for many years, your credit might no longer be as good as it was in the past.

Image: JNT Visual/Shutterstock Editorial Disclaimer: Editorial content is not provided or commissioned by financial institutions.