According to the Credit Card Act of 2009, what is the earliest age that a person can apply for and receive a credit card, without restriction and without a cosigner, so long as they are financially approved by the credit card company?

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1. According to the Credit Card Act of 2009, what is the earliest age that a person can apply for and receive a credit card, without restriction and without a cosigner, so long as they are financially approved by the credit card company?