Post # 1
Member
12 posts
Newbee
someone help me out! I hate the situation I’m in & need advice. A few years ago I had a credit card but cancelled it so I don’t have very much credit. I’m in a much better place now and can afford to make payments on a credit card. The only problem I have is finding a credit card to get approved for. I tried applying for the discover it one but they asked for me to upload pictures of my ID and social security card that I didn’t feel very comfortable doing. I’ve also read about some requiring deposits and I hate the idea of handing over money that I won’t get to see until I close the card. What are some good credit cards I could apply for with slim credit history, no yearly fees, and no deposits?
Post # 2
Member
2483 posts
Buzzing bee
if you have no credit the only cards you can get have deposits/yearly fees. When my credit was shit the only card I could get was capital one with a $60 a year fee, but I had to because I needed to build my credit somehow.
Post # 3
Member
8262 posts
Bumble Beekeeper
I’d reach out to your bank and see what you’ll get approved for.
Post # 4
Member
1161 posts
Bumble bee
I opened my Discover account right before college, having no prior credit.
Post # 5
Member
884 posts
Busy bee
Do you use Credit Karma? If not I definitely encourage you to sign up. They’ll not only help you keep track of your credit but also can help you find cards they think you might be approved for. I’ve had a low limit Capital One card for years and it’s been really helpful.
blessedbethefruit002 :
Post # 6
Member
2998 posts
Sugar bee
Make an appointment with your bank. They’ll be able to make recommendations based on your specific situation and needs.
Post # 8
Member
3065 posts
Sugar bee
blessedbethefruit002 : Try starting with a store credit card and go from there. Macys, Victoria Secret etc. They usualy have less requirements and will help you build your credit.
If you live in the USA, try La Curacao department store.
My bank actually advised me to go here when i met with them to try and get a credit card when i was in college. He said they give credit out like candy and he was right! I had to wait to speak to someone in the credit department who spoke english, but i walked out of there with a credit card!
Post # 9
Member
3559 posts
Sugar bee
You’re going to need to verify your identity no matter what card you go with. I highly recommend the Discover It card if you’re just starting out. But if you aren’t comfortable giving them that information, try going to your bank and seeing what cards they have to offer you.
Post # 10
Member
846 posts
Busy bee
I also recommend getting an account on credit karma. You can see a bunch of different credit cards and you’re likelihood of being approved for them.
Post # 11
Member
7641 posts
Bumble Beekeeper
I also recommend going to your bank. I got my first card through them with no fees and no credit. This way, you can also have your identity confirmed in person without sending pictures.
Post # 13
Member
12 posts
Newbee
coffeebean87 : I just checked that out and they only gave me ones that required a deposit or had a yearly fee. Might just have to do that anyway if I can’t find anything else!
Post # 14
Member
155 posts
Blushing bee
I’d try your bank. I got my first credit card (and only credit card) through my bank.
Post # 15
Member
299 posts
Helper bee
L606 : I was going to suggest the same thing. And (of course) be sure to maintain a perfect payment history.