<prompt> Human: This is probably a ridiculous question, but I cant find an answer online...wonder if you guys may have thoughts.I have a newborn daughter. Obviously she cant have a credit card right now...hell she cant even say credit card. But I consistently see things on here about how younger folks have a hard time building credit, and I would love to avoid that situation for her when shes older. So I guess my question is...what is keeping me from adding my daughter to one of my credit card accounts early on as an authorized user, cutting her card up when it arrives, and letting that build her history early on? My wife and I charge everything monthly and pay off so she would have a great payment history and we keep our accounts open for a long time.Im sure Im grossly oversimplifying this, set me straight?  <response>: You can do that almost immediately. One of my co-workers has a 30 year long credit history despite only being 24 since he was added as an authorized user to a 6 year old card when he was born. 