I am as serious as a heart attack as well.

He was able to get his credit cards so far because you signed him up as the authorized user on your own cards. He's been "surviving" on your credit rating/history, which obviously you don't mind.

Theoretically, if your cat DOES have his own SSN, there's nothing to stop you to get him his own creditcards.

Well, just a second. I think the cc application also asks for state ID. Have you got him his own state ID yet? (I don't think he will get any driver licence. His eyesight may be perfect. Can he paw through the written & road tests? What about photo? )

Age may be of concern too. If you use cat age, he will be under-aged. How old is he in human age?

To apply for a credit card in US, you need (at least):
1. a physical address.-- (checked)
2. SSN (or tax ID number) -- ??
3. 2nd ID (state-issued) -- ??
4. a signature (to sign the credit card). Would a paw-print count??

What does Cat Bidkat have? (Please don't sign him up for this suggested FT handle, yet! )