>credit cards are [exclusively] issued to folks 18 and over. This is not 100% true. A child can have a credit card as long as they have an adult co-signer. A

>credit cards are [exclusively] issued to folks 18 and over. This is not 100% true. A child can have a credit card as long as they have an adult co-signer. A child can also be an authorized user on an adult's credit account and be issued their own card. I didn't have a credit card myself as a child, but I DO know a few people who did.