In today’s financial landscape, having a good credit score is more crucial than ever. It can influence your ability to secure loans, the interest rates you’re offered, and even your eligibility for certain jobs. For teens, taking the first steps towards building solid credit is easier than you might think, especially with tools like the Town & Country Visa Classic® Student credit card.

The Town & Country Visa Classic® Student credit card is designed for teens ready to start their credit journey. This card offers manageable credit limits and a structure that encourages responsible spending habits. Teens can establish a positive credit history by using the card for small purchases and paying the balance in full every month.

Tips for Teens to Build Credit

In addition to taking advantage of the Town & Country Visa Classic® Student, there are several other ways teens can build their credit:

  • Open a Teen Checking Account: Town & Country offers checking accounts for teens aged 13-17. Opening a checking account can help you get used to making deposits, withdrawals and balancing your account.
  • Become an Authorized User: Being added as an authorized user on a parent or guardian’s credit card account can be a great way to build credit. It’s important, however, that the primary account holder has good credit habits, as their performance also affects you.
  • Educate Yourself: Spend time learning about financial literacy, including understanding credit scores, how they’re calculated, and how to manage debt. Knowledge is power!
  • Practice Financial Responsibility: Financial responsibility is key regardless of how you build your credit. This means living within your means, setting a budget, and ensuring all your bills and debts are paid on time. This helps to not only build your credit score but also maintain it.


Establishing a good credit score is an essential goal for your future as you navigate your teen years. Our Town & Country Visa Classic® Student is here to help, designed to meet young people's needs. Building credit is a marathon, not a sprint; it requires patience and discipline.

Once you’re 18, seize the opportunity to monitor and understand your financial progress by logging into TCCU Online. There, you can click on "Credit Score" to review your score, check your financial health and learn about areas for improvement and tips on how to do this. Embrace these early steps towards financial independence and set the foundation for a bright future.