• If you have a credit card and a kid.
Add your kid on as an authorized
user and pay the bill on time. By the
time that kid hits 18. Boom 800+
credit score for them to succeed in
this world.
Schools ain't teaching this. It's up to
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    • Yooo I have a credit card but I need a kid any of y’all girls wanna help me
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    • Let me tell you why it's a bad idea. You don't know what the future holds, you could lose your job, get sick, etc. and now your kids credit score is down the hole. No fault of his own but banks won't see it that way. Messing up ur credit is one thing. Taking your kids along for the ride is jst dange
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    • Yo... that's a good idea
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    • If you have both a debit card and credit card/checking account, use the credit card for all your normal purchases and have your account pay it off like every other day or however often you think is best. Boosts your score pretty decently
      SnekGod 3 jul
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    • Or don’t pay it and fuck up your kids future for fun
      Guiltyyy 4 jul
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    • Scary fact- thousands of parents do this since their own score is awful and fuck up their teenagers life when they graduate and find out that their name was used
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    • Uhhhh sir, you're 10 years old and have a credit score of... 4
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    • My mom did this and ive been cursed with shit credit
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    • My friend’s parents did the opposite of this, opened a credit card in his name and then used it and destroyed his credit! :D
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    • No clue what credit is but I do know Mitocondria is the powerhouse of the cell
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    • Be smart and only use it when you absolutely know you can pay it back. Like about to pay a bill and you have more than enough money in your account? Pay with the credit card and immediately transfer money from your checking account to the credit card after you pay the bill. So (cont)
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    • The problem is most people with credit cards are shitty credit card owners and don’t pay on time, racking up horrible credit and can ruin their children’s financial future.
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    • Nice try. We all know a kid wrote this, who is just trying to use their parents card.
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    • Fuck credit scores. They only allow you to qualify for more debt.
      pinbalI 4 jul
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    • If you dont have a credit score by 18 you're fucked if you think you're moving out of your parents house anytime soon, I started at 18 without one and ever since has been a constant struggle to claw my way up to a have decent one (I have never missed a payment on anything, and I work full time)
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    • Ya my parents did this and now my credit score is 500 and I’m 2k in debt 🙂👍
      _UNIX_ 5 jul
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    • No, no, no, a thousand times no. That's how you screw up a kids life because alot of people who do this are deadbeats. Its called when they're 18, do a credit establishment loan and itll help a lot. I'm 22 with a 750+ score, but that's because I had a car loan with my mom as a co-signer, it was a
      ky9009 5 jul
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    • You don't want to accidentally ruin your kid's credit if something happens you can't control, like getting sick or losing your job. Just tell your kid to get a credit card at 18 with like a $30 minimum and make sure they pay it on time. Not that hard.
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    • if you do this be hella careful. My bank told me the best option is get one right out of high school/once you have a job and use it for regular purchases to build credit. Like lunch at work a couple times a month then pay off the lunches
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    • Or trash your kids credit. Yall dumb
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    • I’ve got a credit score of 770 myself, and I had to work hard for it. If my kid is going to have a good score too, they’re going to have to work for it too. They’re not gonna have shit handed to them on a silver platter because they wouldn’t appreciate it if they did, or learn from it like I did.
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    • Or just teach your kids about credit and let them do it on their own... that’s a better way to do it. Don’t hand them gifts. TEACH THEM
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    • Credit score actually isn't that important. You can use other forms of payment history as "credit" without ever using a credit card. Not trying to be that guy, but all I can say is credit cards and get dangerous quickly.
      Crypto20 4 jul
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    • Where’s that bugs bunny going “No” meme when you need it
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    • This is bullshit. It takes a lot more than that to have an 800 credit score idiots
      tcby503 3 jul
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    • I'm 53, I've never used credit cards. I saved money up and payed cash for everything I own. My house, my car... everything. They want you to live beyond your means, and pay them 18-32% interest. I only have 3 bills, electric, cable and cell phone. I use well water and a specialty septic system.
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    • Hey I have credit card any of you guys wanna be my authorized user. And we'll get to 800 in no time!
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    • ok but credit cards are designed to take advantage of irresponsible consumers, instead teach your children to never take out loans or make monthly payments on anything unless it’s absolutely necessary
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    • Credit scores are bullshit. You paying on the intrest is what ups the score. You're paying them to use your own money to up your score
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    • I’m 23 and my score 808. I started a credit line at 14 because of my dad.
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    • My parents r broke asf. My mom is a RN at 2 hospitals & my dad is a metal fabricator which doesnt pay shit & they both have bad credit scores. My moms card got stolen when i was lil & its ruined everything
      _AD_ 5 jul
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    • I can’t tell if y’all are dumb or just too young to know how things work. My parents did this for me. Literally, my dad took out a 2nd bank credit card w/ me attached when I was a senior in HS & he ONLY used it for gas in his or mom’s cars. By the time I graduated college (1/2)
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    • Wealthy people don’t become wealthy from having a good credit score......
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    • My mom did this for me when I turned 16 and she finally let me set up my own bank account when I turned 19 I had a credit score of 764 and I got a credit limit of 35,000 which is WAYY more than I need but still , when I went to buy my first car I was able to pick out any car I wanted (part 1 of 2)
      cup_head 4 jul
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    • I’m 69 and have a 4.20 inch long dick plz come suc if ur over 18
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    • Last time this was featured like a year ago, the top comment said that their parents did this. However, he said something happened and it ended up not working out well, making him have to pay off all the debt. Also, my kid should learn how to work for things not be given stuff
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    • I came into this world and my parents taught me how to be self made so I can be successful on my own, no college funds, no handouts. I will do the same for my kids so they don’t turn out like every other dumbass from college
      Exile 3 jul
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    • Man fuck dem kids
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    • Unless you’re parents credit cards are maxed out and months in debt
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    • You have to be 18 tho, right? Lmao
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    • Except, their debt to income ratio will be way off and their only credit will be a card that they are a “authorized user on”. Their credit might look good, but they still won’t be able to get a loan on anything and as soon as they get their own credit it their score will drop like a rock.
      cheese09 5 jul
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    • 800 no. 600-700 yes
      Teknetix 4 jul
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    • My credit score would be 360 by the time I was 18
      shtwmgyg 4 jul
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    • It’s because adding minors (under 16) as authorized users to your credit card is illegal. And the credit score was not achieved by the kid with his own card and bills so some would consider it credit fraud
      Yes_Man 4 jul
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    • That’s not how it works anymore.
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    • I like how 14-year-olds are trying to tell people what to do. But no one listens to the people with over 800 credit. America
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    • Sure but if you dont pay it on time you’re setting them up to fail
      DrZwicky 4 jul
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    • make sure its in the kids name and youre an authorized user not the other way around, otherwise itll count toward your credit score not theirs
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    • I'm 22 no credit card or credit number and I doubt I'll ever have it tbh
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    • Child must be at least 13 yo to be made and authorized user
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    • For anyone who doesn’t know how credit cards work u use 10% of the maximum and never go Over that and if u wanna use more then 10% then pay it off first and also always pay it exactly what u paid do that if u want insanely good credit score
      tac0s 4 jul
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    • my mom did that for me and my credit score was legit 810 on credit karma and around 780 on credit when i was 18 years of age. the big help is the 16 years is the longest line of credit. that is a really big help. i have my own house now lol.
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    • You can literally do everything for them but if you don’t teach them to value things then it won’t matter.
      Kaliic 4 jul
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    • I don’t think that’s the best idea, the whole point of a credit score is to show how you handle money so you get better rates. If you hand someone a perfect score and they have terrible money management it will hurt them more in the long run
      Hi_ImNew 4 jul
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    • I have so many friends who became adults and they were fucked from the start. Alot of parents start it with good intentions but cant know what's gonna happen to them let alone their kids in the future. But most that I know had addicts for parents and they took credit cards out in theirnametobuydrugs
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    • Say it with me: you don't need credit to live on this world and all credit cards are scams.
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    • Imma ask my dad to do this, he has a perfect credit score and it would really help my brother in the future! I'm at 780 so I'm fine
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    • I disagree. I say it better to teach them the value of money and how to build their own credit. I had a credit card in college that I used all the time, and I would always pay it off before any interest could be added. I built my credit score up enough that I got a great rate from the bank (1/2)
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    • Seen this like a year ago
      DanCaf 6 jul
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    • My parents have done this for my little brother and me for a while
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    • A couple months after I turned 18 I was able to get a credit card. Building decent credit with no credit isn't that hard, there's tons of tools out there for you. Why not take the initiative to just learn how to build credit yourself. We already know the school systems are shit and won't teach it.
      Thot_Cop 4 jul
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    • This doesn't actually work. Even if the kid is an authorized user, its YOUR credit card and YOUR credit. My parents did this with me and my sister but 2/3 credit reporting agencies say we dont have enough credit to have a file with them. And for the 1 that did have a file, it looked like we were
      pantsuit 4 jul
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    • Yeah unfortunately people cant always pay off their credit cards & being listed on the card does 0 for their credit card because the bearer is responsible for 100 percent the charges.
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    • That’s also illegal in most states
      Yes_Man 4 jul
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    • My economics teacher taught this outside of the regulat curriculum for when we had kids and to help others that do have kids. Didnt get that luxury when I was younger but damn if I wont make sure others have it easier than me cuz this whole democracy thing is hard
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    • How about you don’t do shit like this for your kids even if you mean well. Teach them fiscal responsibility by having them get a job, earn what they want, advise them to get a secured credit card to build their own credit.
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    • How about you let your kid grow up with the same shitty situation as everyone else instead of instilling that shitty ass "I can get anything I want" behavior.
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    • Thats not how it works......
      MychD 4 jul
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    • Yup. Did this with my mom and credit score was well over 700 by the time I left college. You're not gonna get it to 800 without a much more extensive credit history though.
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    • I think they have to be at least 16 most of the times
      cleeeo 3 jul
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    • In one year of having one credit card I have 726 credit. It is not hard people!!!
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    • No, this works my kid is 20 with a score of 740.
      partymam 4 jul
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    • Or you can just build your own credit yourself
      cjsaurus 4 jul
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    • My mom did this for me. I was about to buy a house at 23 with a 760 credit score
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    • Don't do this. They did not consent to you using them to build credit. Even if it's not for them. You could very easily start them off with a shit score
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    • To get a credit score that high you have to have an asset in debt that you are regularly paying off. Such as a home, land, or a business. Even with a new car and a credit card always paid on time you won't get much past 750
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    • They have to be 18
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    • You won’t have an 800 score that easily.
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    • Build credit at a young age. Don’t under estimate how important credit is.
      poovey 4 jul
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    • I learned this in my business class
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    • Yeah I know tons of people whose parents did that and then when they got out on there own and applied for loans, they had a credit score of 300 something. It's a shit idea, dont do it
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    • DwayneBaker I wish my parents would’ve done this shit. Now my credit score is lower than a caterpillar dik
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    • I had a credit card for a year starting off and a personal loan and paid it off and it claimed I had like 700+ credit score but when I went to buy a car it said no credit history.
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    • My card has a $30,000 limit. Kids not getting a copy of that shit
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    • It’s more important to teach them about credit than to give them a free pass to abuse until it goes away
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    • Yes but the kid doesn't learn how to build that credit and maintain it on their own
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    • Wow wish this would've been done for me. Though my drug addict mother couldn't do shit. That being said credit needs to be taught to kids. I never knew that no credit is actually worse than bad credit in a good bit of cases. I always thought that me not getting a credit card and sticking to (1/2)
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    • Nah wtf my kids will learn to build there own credit just like I did, no lessons in life without consequences.
      Reanna_ 4 jul
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    • Yeah the hard part is paying it on time
      dreaf1 4 jul
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    • If you make good credit choices, if you don’t itll fuck them over.
      SGGTJax 4 jul
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    • Someone, anybody. Please subscribe my count is at 666 I don’t need any more 2020 devastation.
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    • That could be a neat idea, I think it's more important they build their own and in the process learn the concept, intricacies how to maintain it. Rather than just handing over a perfect score, that can be annihilated almost immediately at their first visit to old navy.
      Kbiz3184 3 jul
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    • I had a cousin that was not allowed to drive until he was 18 but his dad allowed him to get his license at 16. Put him on his own insurance and 2 years later when he got a car. He had a clean driving record for 2 years
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    • My mom wrecked mine soooooo
      BatJoe 3 jul
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    • Y’all don’t have parents like me then... my credit would be -200 lmao
      sftc7 3 jul
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    • Credit is a sin, don’t borrow other people’s money, look at Ben Mallah, he is struggling to keep his $250,000,000 real estate portfolio alive because THE BANK OWNS IT. But at least he has an 850 credit score right ?
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    • One like=.1 mike I have to run. Will post videos
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    • DO NOT DO THIS.
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    • Hit 1000 days today
      bniesy53 4 jul
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