What can I do to have a credit card?

Question

what can I do to start building up my credit? I have no credit ....I don't have a bad credit,.....I just don't have any credit history. And no matter where I applied for a credit card, it's simply denied. Target, Bestbuy.....

I do have a full time job, a checking account and I have never been late on cell phone bills, home phone, internet ....

I even thought about putting some money down just to have a credit card..... But is probably doesn't work that way.

Any idea what I can do please ?

Answer 1

Apply for Capital One credit card. This card are good for people with no credit history or new to credit. http://bestcreditcardratings.com/no-cred...

Answer 2

Look into a visa, mastercard or discover..the main credit card companies. Store cards are really hard to get with no credit (as you have found out) Get one card. Spend a little on in and immediately pay the balance on the next statement. That will build your credit and keep you honest with yourself and out of debt.

Answer 3

easiest card to get first is a student visa card from anywhere. capital one has some student accounts where they give you like $500 credit. as you build it up, they'll gice you more. soon you'll have $16,000 credit

Answer 4

Try Capital One first they are usually the easiest card to get when starting your credit.  To help increase your credit limit they will start you at $300 then if you dont go over the limit or make a late payment in the first 3 months you get up to $500 then another 3 months and you are up to $750 in your credit limit.  Unless you want a lower rate dont pay for your credit card with an annual fee

Answer 5

1)  be careful because the more you apply the more you will be dinied,  every time you are dinied, your credit score goes down, talk to somebody at your bank and open a credit acount this means you have to put your money in to a credit card, until you build up credit,   and set up automatic payment plan . that way you'll never be late on u'r payment, or your parent can open one 4 u and u can keep the bills up to date to build up u'r own, good luck.  

Answer 6

You can ask a relative or a friend with good credit  to co-sign for your credit card application. That way your chances of getting approved is higher.

Also, here's a resource i found on web http://www.badcreditresources.com/bad-cr... - it is a list of credit cards for people with NO credit or bad credit  

Answer 7

A secured credit card is the way to start building your credit. This is how it works.