At what age must you be to have a credit card in your name without showing proof of independent income or having a co-signer?

To have a credit card in your name without showing proof of independent income or having a co-signer, the age requirement is 21. The Credit CARD Act of 2009 introduced regulations aimed at protecting young consumers, particularly those under 21, from accumulating debt without the means to repay it. As a result of this legislation, individuals under 21 must either have an independent source of income to demonstrate their ability to repay or must have a co-signer if they wish to obtain a credit card. Therefore, reaching the age of 21 allows individuals to apply for and obtain credit without needing to provide these additional financial assurances. This reflects a shift towards promoting responsible credit use among young adults, ensuring they have the financial maturity to handle their credit accounts.