Credit cards for no credit

posted 2 years ago in 20 Something
Post # 2
Member
2163 posts
Buzzing bee
  • Wedding: October 2017

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
7977 posts
Bumble Beekeeper

I’d reach out to your bank and see what you’ll get approved for. 

Post # 4
Member
1134 posts
Bumble bee
  • Wedding: June 2019

I opened my Discover account right before college, having no prior credit. 

Post # 5
Member
907 posts
Busy bee
  • Wedding: May 2020

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.  

View original reply
blessedbethefruit002 :  

Post # 6
Member
2966 posts
Sugar bee
  • Wedding: January 2021

Make an appointment with your bank. They’ll be able to make recommendations based on your specific situation and needs. 

Post # 7
Member
1239 posts
Bumble bee

Discover It Card 

Post # 8
Member
3081 posts
Sugar bee

View original reply
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
3535 posts
Sugar bee
  • Wedding: June 2016

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
834 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
7660 posts
Bumble Beekeeper
  • Wedding: June 2013

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 # 14
Member
119 posts
Blushing bee
  • Wedding: November 2016

I’d try your bank. I got my first credit card (and only credit card) through my bank. 

Post # 15
Member
305 posts
Helper bee

View original reply
L606 :  I was going to suggest the same thing. And (of course) be sure to maintain a perfect payment history.

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