What nobody tells you about credit at 22

Nobody hands you a manual for adulthood. One day you're between textbooks, groceries, gas and that random tattoo you feel like you need. The next you're wondering why a credit card company keeps mailing you offers you don't understand.

Here’s the good news: building good credit early can help open doors later, like getting approved for an apartment, a car loan or better financing options when you need them.

What you need to know to jump start your credit building journey:

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Know your credit building options

It’s all about making smart, savvy moves. Once you turn 18, you can apply for  your own credit card.  If you're a college student, consider a student credit card, which is often easier to qualify for when you're building credit for the first time¹.

Not quite ready for your own card? Ask your parents to add you as an authorized user on their credit card or open a credit builder loan².

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Set up future you with healthy habits

The real secret for financial success? Pay your bills on time, keep your credit balances low and check your score regularly – it won’t impact your score³. Think of these as your go-to moves.

As intimidating as it is, building your credit is essential.  A strong credit history can give you more flexibility and confidence when big financial decisions come your way. Start your journey with smart habits now, and future you will be glad you did.

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_{1 Experian, How Old Do You Have to Be to Get a Credit Card?}

_{2 Experian, What Is a Credit-Builder Loan?}

_{3 Experian, Does Checking My Credit Lower My Score?}

_{Exeter Finance LLC is not a credit repair agency or licensed credit counselor. Exeter does not offer services to fix or improve credit scores. These tips are intended for general educational purposes and should not be construed as legal, financial, or credit repair advice.}