First Credit Card With No Credit History [creditdiagnosis]

First Credit Card With No Credit History [creditdiagnosis]

www.creditcardsforbadcreditnotbadpeople.com In this video I tell how I found several Credit Cards for bad credit individuals like myself. Actually my credit was horrible not just bad. I had filed chapter 7 bankruptcy my real estate business was bankrupt I have over 10 homes foreclosed on! The idea that I was ever going to get a credit card with such bad credit was disheartening. I also had 2 cars repossessed, I felt like I had the worst credit on earth. When things were going good in my life and my credit was great I could get a signature loan in a heart beat, I had an American express card that had no limit as long as you paid it off the next month. After my bankruptcy, I didn't know how I was ever going to get credit again even a credit card. I thought that maybe with my credit repair back ground that I may be able to find a way to get a credit card. I looked into the market of secured credit cards... this is where you make a deposit to the credit card company for the amount of your limit. For example if the secured credit card had a limit of 0 then you would pay 0 to them and they would give you the credit card. You may be asking yourself what is the point of the credit card if you have to pay the amount of your limit. The reason is that if your credit is so bad that is all you can get after you use that credit card for 6 months keeping the payment current and not going over the limit then it is building your credit and repairing some of the damage. After 6months ...

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Co-signing should be an option only if the student can use a credit card responsibly, says Bill Hardekopf, who operates LowCards.com, a credit card comparison site. If so, a card with a very low limit is a good way to start building credit without ... College students have credit card options

A common question among the credit industry for young adults is, "How do I find my first credit card when I have no credit history at all?" How am I supposed to build my credit, when I don't even know where to start? Well, thankfully for the Internet, and credit card companies that are willing to give you a card with no credit history, let me show you how it can be done.

Start with a college card

The best way in my opinion, is to go the college credit card route. Companies like this find that college students are more responsible when they are headed to college. They also assume that a parent is more than likely to pay off bad debts, if a student defaults on their card. This is why they don't mind lending to students. If you're not a college student, don't worry, I'll have more tips for you.

Try a department card

If you're not in college, head down to a retail shop like Old Navy, or Kohl's, and apply for a department card.

These cards will help your credit, and even if you don't really shop there, go there once or twice a month, and make small purchases. The companies just want to see if you can pay off your bill on time. As long as you can do this, you will be set.

Try these two tips when it comes down to getting a card. You'll find that you won't want to waste your time applying for cards you can't get. Instead, if you follow these routes, you'll have an easier time getting your first card.

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Question by naomishonta: What credit cards can I apply for with no credit? I am a college student and I want a credit card or two to help start building my credit. What credit cards can I apply for with no credit history? Best answer for What credit cards can I apply for with no credit?:

Answer by Dentist H since 2001
any of them. You'll have a small spending limit and you'll have to have income. They all say, "Just sign up and when you get the card in the mail, throw it away." Be aware do not open too many cards at once. Make sure you can pay your bill each month.

Answer by EDUARDO L
if you dont have good credit i recomend you orchard bank just go to their website but they charge you 75 dlls for the inital credit of 300 but is a good credit card to rebuild your credit score

Answer by Huntsman
New federal regulations are making it extremely hard for anyone under 21 to get a credit card. You must have employment for 1 full year (full time) And, have sufficient salary to support a card. A checking account and a savings IF you get a card, make sure you pay in full each month. Never dare carry balances which can only destroy credit. Get your parents to co-sign on a card with you. Discover allows this. But... only do this if they have amazing credit. ^ if they carry balances or have debt, do not co-mingle your finances with theirs Also consider a secured card from your bank. Again. No games of carrying balances that can easily destroy credit Note: Plenty of people buy their first car without any credit. They have proof of their income, employment, and savings accounts. Along with a nice down payment. Don't struggle if you don't have credit. A bank will look at your overall financial health and your ability to pay back

Answer by .
Aren't you 16? Why do you need a credit card?

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