How can I get a credit card with absolutly no credit history at all?
I have applied for a few of the big credit card names but as I assumed I was denied because I have no credit history. Is there anything I can do to get a credit card? Thanks for your help it’s very appreciated!
It will be better if you apply after building your credit. To establish your credit history:
1)Take out a small loan using the savings account as collateral, and then pay it back. This will help you for establishing your credit history.
2)Apply for a secured credit card. Using a secured credit card is an easy way to build your credit rating. Pay your credit card balances on time. After a few months of having the secured credit card, apply for an unsecured card.
February, 21st 2010 at 12:00 am
You start small. Try to acquire a credit card for a department store, or gas company. Make small purchases, and always, always, ALWAYS pay on time or before it’s due. Your credit score will actually be marginally better if you let a small amount of your outstanding balance carry over to the next month – they don’t appreciate not being able to get at least a little interest out of you. Once you have had a couple of small cards for a few months – you have a credit history.
References :
February, 21st 2010 at 12:20 am
Get a secured credit card and use that to build a credit history…then apply for a regular card
References :
February, 21st 2010 at 12:29 am
Go to your bank. If you do not yet have a bank account then open one. Talk to someone at the bank about a secured card.
References :
February, 21st 2010 at 1:12 am
Try applying for a store credit card (like Victoria’s Secret or Limited.) Those cards have lower limits and can be easier to obtain and will help you establish a credit history so you can eventually get one of the big credit cards. Also know that every time you apply for a credit card (or any kind of credit) it temporarily makes a small negative dent in your credit score. So, it’s not a good idea to apply for a several credit cards all at once.
References :
February, 21st 2010 at 1:29 am
you have to apply for a lower end card and work yourself up to the better cards, get a lower end card use it for about 6-9 months just enough to build some credit then apply for a better one and drop the first one, see the site below and go under no credit or poor credit section here you are able to compare them side by side
References :
http://www.fastcreditcardapprovals.com/
February, 21st 2010 at 1:57 am
As suggested, get a secured credit card but make sure they belong to the credit bureau.
References :
Retired bill collector 35 years
February, 21st 2010 at 2:05 am
It will be better if you apply after building your credit. To establish your credit history:
1)Take out a small loan using the savings account as collateral, and then pay it back. This will help you for establishing your credit history.
2)Apply for a secured credit card. Using a secured credit card is an easy way to build your credit rating. Pay your credit card balances on time. After a few months of having the secured credit card, apply for an unsecured card.
References :
http://www.bills.com/credit-cards/
February, 21st 2010 at 2:51 am
the reason you are not being approved is because you are applying for the wrong card, you need to apply for a lower end card and use it for a few months to build some credit and then apply for a higher end card such as discover or citibank, check out http://www.fastcreditcardapprovals.com under the no credit or bad credit section.
References :
February, 21st 2010 at 3:24 am
Here is some links for everybody needing credit, but be careful. If you are lare for just one payment the interest rate can go way up.
References :
http://omcredit.com
February, 21st 2010 at 3:53 am
Get a credit card from local bank and pay it in time. You also can use this service to avoid common mistakes while buiding credit and pre-estimate future scores for different scenarios of payments – freecreditreport.hotusa.org
References :