<prompt> Human: I have a 7 month daughter and Im wondering if I should be helping her credit history while shes still young or should I wait until shes older? I am hoping that someone can help me with a pro cons list of my potential options and list any options that they feel would be most helpful for her.Options:1. Add her to an existing credit card that I use and pay off every month2. Add a new card with her as the primary and charge a small amount to it every month3. Open a checking account for her and get a credit card through there and again, charge a small amount to it each monthAlso, Im not sure if any of these are truly options since I am unsure if the companies would allow me to do what Im proposing. Any insight would be greatly appreciated.  <response>: Just wait until shes 18. Then she can get her own student card. Or at that point you can add her to a card of yours or cosign if necessary. There is absolutely no point in doing anything now. But when shes 18 do you want her to be able to get a 500 limit and maybe screw up or get a 5k limit and maybe screw up? Building credit by yourself isnt difficult and if you do screw up, much less dangerous. 