You don't automatically "get" credit at any age. You won't have any credit until you get a credit card, loan, or something else. There are a few banks, such as Capital One, that will give a credit card to someone without any credit. However, they may ask for a security deposit. Also, the law was changed several years ago to require you to wait until you are age 21 or have a job, a cosigner, or proof of income.