amber.morgan3227 pyta:
What is the best credit card company to go through is you have no credit?
I’m wanting to get a credit card, just to buy gas or something on every month and go ahead and pay it off that month, just so I can start in a small way to build my credit. I haven’t been able to find ANY credit cards online that will approve me. I have NO credit whatsoever. I just recently turned 18, so I haven’t really had the chance to build it. Any suggestions on how or who to go through to get approved?!
What is the best credit card company to go through is you have no credit?
I’m wanting to get a credit card, just to buy gas or something on every month and go ahead and pay it off that month, just so I can start in a small way to build my credit. I haven’t been able to find ANY credit cards online that will approve me. I have NO credit whatsoever. I just recently turned 18, so I haven’t really had the chance to build it. Any suggestions on how or who to go through to get approved?!
#1 by Tim C on July 7, 2010 - 6:50 am
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if you are a student, many banks will work with you to establish credit. open you a checking account, give you a credit card with a low limit (like $500-1000) as long as you can prove student status. Or your parents can sign on a new credit application with you if they have a fairly good score and you can get a head start using theirs as a jumping off point (they can even set a low limit if it makes them feel more comfortable). Your smart to start right away, so you have credit history when you need a car loan, are ready to buy a home, etc… just remember it isn’t a toy. it a responsibility, a privledge, but not a right. dont abuse it.
#2 by Brutus on July 10, 2010 - 4:07 pm
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there are two ways you could start credit one or them is taking out a small personal loan which you might need a parent or an adult to co-sign for you meaning if you do not pay the loan they will. Or you could apply for a credit card for bad or no credit which most likely will get you approved no matter what, but if you are a student you could get a student credit card which will offer you lower rates and no annual fees, check out but if you have applied for different cards most likely you have been applying for the wrong one so make sure you apply for a no credit card which will have a higher interest rate with an annual fee but use it for a few months just enough to build some credit then you could get a better card and drop your first one.