A 19-year-old Reddit user is in search of a cash back credit card for earning rewards and building credit history. Although his parents added him to a card, he primarily needs access to a card suitable for in-person purchases. The article outlines the importance of researching cashback options, explains the implications of the CARD Act on gaining approval under 21, and emphasizes the need for a solid credit strategy to maximize financial benefits.
A 19-year-old is navigating credit card options, focusing on cash back rewards and building credit after being added to a family card.
Cash back cards can yield significant rewards, but approval can be challenging for those under 21, necessitating income proof or a cosigner.
Starting out with a cash back card can lead to substantial rewards, yet understanding how to maintain credit responsibly is crucial for new users.
Choosing the right card is vital for young adults looking to improve their financial situation while building a solid credit history.
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