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The legal age to contract refers to the chronological age a person must be to enter into a binding agreement. In most parts of the United States, Canada, and the United Kingdom, a person is a legal adult when he or she is 18 years of age.
In Alberta, that is 18. Generally, if you are under 18, you will have to get a parent or guardian to co-sign for a credit card. A credit card is a form of contract, so if you donât pay the loan back, the person who co-signed will be responsible for repayment.