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Q: I’m 20 years old and accept a part-time job. I’ve never activated for a acclaim agenda or annihilation like that. What’s the best way to authorize credit? —Rebekah Lewis Raleigh, NC

A: The Acclaim Agenda Act of 2009 fabricated it added difficult for bodies beneath 21 after an earlier cosigner or accurate assets to get a acclaim card. Easier than applying for your own acclaim agenda is to get added as an accustomed user on addition else’s card.

As an accustomed user, the annual is added to your acclaim record. Provided the primary cardholder pays bills on time and doesn’t run up a antithesis too aing to his or her acclaim limit, you can body acclaim adequately quickly. You aren’t accountable for the primary cardholder’s debt, and the cardholder can adjudge whether or not to accord you a card.

For added claimed accounts advice, see:

To abide your own question, see: ConsumerReports.org/askourexperts.

More from Consumer Reports:Advice to advice administer your claimed accounts decisionsBest and affliction articles for your homeExpert, aloof ratings and reviews

Consumer Reports has no accord with any advertisers or sponsors on this website. Copyright © 2007-2013 Consumers Union of U.S., Inc. No reproduction, in accomplished or in part, after accounting permission.

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