Wow, @jym626, I’ve never heard of such a thing! That is sneaky!
I made sure my kids got a credit card before heading off to college. They had no problem getting one on their own. All the credit union required was either proof of income or a secured card.
They don’t even bother waiting for the statement, they pay their bill off as they use it. A bit of overkill, yes, but at least they won’t get careless and forget to pay their bill!
Hopefully, this will be enough credit history when the time comes to get a car, rent a place, etc…