How to Get Parents to Get You a Credit Card

There are times you'll find yourself short on cash and your gas tank almost empty. At times like this you need a credit card to get you out out of a pinch. Establish your reputation and make your case to convince your parents to get you a credit card.

Instructions

1. Prove you are trustworthy. If you want your parents to get you a credit card, they need to trust you. Follow their rules faithfully and always be honest. Surround yourself with trustworthy friends and people who make good decisions. Keep your grades up to show them you are both responsible and deserving.

2. Show them you're fiscally responsible. Having a credit card is a big financial responsibility. Prove you are ready by managing your allowance wisely. Design a budget for your weekly allowance. Decide how much money you can spend, save and donate. Save at least 10 percent for an emergency fund and donate at least 10 percent to a worthy cause. Refrain from overspending and don't ask your parents for more money.

3. Point out the benefits of having a credit card. If you want to get a credit card, do the research. When used responsibly, credit cards have many benefits. Some credit cards are tied to rewards such as airline tickets and discounts on cars. Other credit cards are a great budgeting tool. They help you track where you spend your money by sending you categorized statements that include summaries of your spending in percentage breakdowns.

4. Talk about your credit history. Let your parents know that credit cards help establish a credit history. This is essential to your financial future. As a young adult, you won't be able to purchase a car or house without an established credit history. Get your parents to understand the importance of helping you out.

5. Appeal to their emotions. Tell your parents that a credit card can get you out of a bind. Explain to them that they can feel reassured knowing that you have access to money during emergencies.

6. Do not beg are badger your parents. Make your case and let them think it over. If the answer is "No," keep proving that you are responsible and revisit the subject again in a couple of months.