WSJ Buy Side is The Wall Street Journal’s research and commerce team. Our commerce content is distinct from our newsroom coverage. We earn a commission from some links in our articles. Learn more.

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WSJ Buy Side is The Wall Street Journal’s research and commerce team. Our commerce content is distinct from our newsroom coverage. We earn a commission from some links in our articles. Learn more.

The CARD Act of 2009 states that credit card companies cannot issue cards to people younger than 21 unless they apply in writing and prove they have sufficient income to make minimum payments.