How To Get A Credit Card With No Credit History

Students And Credit
How To Get A Credit Card With No Credit History Oddly enough, not only will bad credit work against you when applying for a loan or a credit card, but so will NO credit. Even though this doesn't seem fair, it's the way things work in the complicated world of consumer credit. Lenders are leery about opening accounts for people with no credit history, simply because they have nothing by which to judge your reliability. If you can't build a credit history without credit, and you can't get credit without a credit history, what can you do? It's nearly impossible to rent a car, stay in a hotel, or shop online without a credit card. Let's explore a few ways to work around this "Catch-22." Getting Started in Credit Although many of the major credit card companies won't give you a card without a credit history, some smaller ones will. Department stores are likely candidates. Gas station cards are also easier to get. Also you can look for a credit card company that will review your overall financial situation, not just your credit history. Some lenders will look at your employment history, your housing situation, and how often you have moved. If all this meets their standards, they may approve your application. Credit Unions If you are a credit union member, or are eligible for membership, see what their card issuing terms are. They often have more relaxed conditions for members. You no longer have to work for a specific company to be eligible to join a credit union. So, it's well worth checking to find out if there's one in your area. Student Credit Cards If you are a student, then you'll be best off with a student credit card. Student credit cards can be a great way of building the credit history you will need after graduation. Many banks will issue college students a credit card, especially banks that are located in college or university cities and towns. Secured Credit Cards As a last resort, because of their high interest rates, secured credit cards are available. They are offered by lenders who will give you a line of credit either equal to, or slightly higher than, a cash deposit that you give them to hold. As your experience with the card grows, these lenders will often raise your limit without requiring you to increase your deposit. Eventually, you can use your experience with this lender to apply for cards that are not secured. When you do manage to get a credit card, don't go on a spending spree -- you will regret it in the very near future. Use your card wisely, and above all be sure to make all payments on time. Your goal is to build a good credit history, not just get a single credit card. Soon you'll be complaining about all the credit cards being offered to you in the mail. About the Author Ron King is a full-time researcher, writer, and web developer. Visit http://www.new-credit-card-now.com to learn more about this fascinating subject. Copyright 2005 Ron King. This article may be reprinted if the resource box is left intact. Written by: Ron King. Different Types Of Credit Cards And Their Advantages Different types of credit cards and their advantages.... Different_types_of_credit_cards_and_their_advantages.htm Understanding Credit Cards And How They Can Be A Financial Tool Understanding credit cards and how they can be a financial tool... Understanding_credit_cards_and_how_they_can_be_a_financial_tool.htm A College Loan May Be Unnecessary If You Get Scholarships Or Government Grants A COLLEGE LOAN MAY BE UNNECESSARY IF YOU GET SCHOLARSHIPS OR GOVERNMENT GRANTS... a_college_loan_may_be_unnecessary_if_you_get_scholarships_or_government_grants.htm Tips For Managing Your Credit Cards Tips for managing your credit cards... 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There are many various types of credit cards, and if you are looking to apply for a credit card, it may be difficult to decide which type of card is best for you. In... Continue How to Pick the Right Credit Card For Your Spending Habits There are so many different credit cards out there to choose from! Picking the right one for your spending habits can be a difficult decision. Here, we'll try to help you sort through the types, and to make a wise choice. No annual fee vs annual... Continue By Clicking Here Various Types of Credit Cards Part 2 Copyright 2005 Gibble LLC Several different types of credit cards offer several different options, depending on what your needs are. Some are geared toward individual consumers while others are set up in ways that work best for small business... Continue By Clicking Here Additional Resources Student Loan Consolidation Information Online Which Student Loan Companies Are The Best Student Loan Consolidation Considerations When Filling Out A Student Loan Application Student Loan Refinancing - How Do I Pay It Back Student Loan Information FREE Valuable Student Loan Information that will allow you to get back up to $2,000 and Cut your monthly payments by 45% By Clicking Here Many More Student Credit Cards Available Here
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How To Get A Credit Card With No Credit History

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