39. Become a User On Someone Else’s Card
An alternative to getting a secured credit card is to become a secondary user on someone else’s card. Some financially-savvy parents choose to do this for their children. Believe it or not, even someone under the age of 18 can be added to their parent’s card, and they begin benefitting from that positive credit history at an early age. Every credit card company is different, so if you are considering putting your child on as a user, check their restrictions on age limits. (Some expect a child to be between the ages of 13 to 16.)
Even as an adult, you can ask a friend or family member if they would be willing to put you as a secondary card holder on their account. This can be especially useful if you have been through a bankruptcy, or if you would rather not pay for a secured credit card.