Melvin is 19 years old and wants to begin establishing a credit history. Which action should he take to meet that goal? * 1. Always say "credit when asked 'credit or debit?" at a store

2.Ask his parents to cosign a credit card or add him as an authorized user on their credit card 3.

3. Any time he borrows money from a friend or family member, be sure to pay it back promptly

4.Take out some private student loans, even though he doesn't need them because he has grants and scholarships

2. Ask his parents to cosign a credit card or add him as an authorized user on their credit card

Explanation:

A credit card can be defined as a small rectangular-shaped plastic card issued by a financial institution to its customers, which typically allows them to purchase goods and services on credit based on the agreement that the amount would be paid later with an agreed upon interest rate.

In this scenario, Melvin is 19 years old and wants to begin establishing a credit history. Thus, the action which he should take to meet that goal is, to ask his parents to cosign a credit card or add him as an authorized user on their credit card.

This ultimately implies that, owning a credit card or being a beneficiary of his parents cards as an authorized user would mean, each transaction he successfully initiates and accomplishes would be recorded and sent to him as a text.

Hence, for Melvin to have a credit history, the first step to achieving this goal is to own a secured credit card.

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