I am going to college soon and have poor credit.?

Question

Is there a credit card out there for someone like me with poor credit and that doesn't have any credit built up?

Answer 1

First of all, if you are going to college soon, how can you already have poor credit without having a credit card to begin with? Did you actually have unpaid bills, checking account overdrafts, etc. already? Hopefully you  have no credit, which is a lot better than bad credit!

If you have no credit, then banks will love you. You can qualify for low intrest, low spending limit cards to help build up your credit. Becareful to pay them off quickly and do not spend above your means for ANY reason!  Always make sure there is enough money in the bank to cover your expenses and that you have enough savings for an emergency. Credit cards are high intrest (no matter how low the interest is, it adds up quickly!). Think of a credit card more for convienience rather than free money!  Good luck

Answer 2

So I had he exact same problem. I am in the US, so I don't know if you have access to wellsfargo bank, but they have a card that has to have 300 dollars on it they also have this card at other banks. You use this card the same way you would a credit card. these cards build your credit faster than anything out there. They may seem like a hassle at first but TOTALLY worth it.