Credit cards for no credit

posted 4 months ago in 20 Something
Post # 16
Hostess
2045 posts
Buzzing bee
  • Wedding: October 2017

FYI there’s a difference between “no credit” and “Low/bad credit”

Post # 17
Member
899 posts
Busy bee
  • Wedding: September 2015

I went to several banks to speak to someone about the credit cards. They were very nice and not pushy at all. I ended up Emmy one bank as they already had my information I just needed to show them an id

Post # 18
Member
354 posts
Helper bee

Go to a credit union.  They are generally easier to work with in these kind of situations.

Post # 19
Member
720 posts
Busy bee

Get a gas credit card. Use it to pay for gas but then pay it off once you get the bill. This is an easy to build credit.

Post # 20
Member
445 posts
Helper bee

I also vote for getting one through your bank – I did this a few years ago coming from no credit history, and I’ve had it ever since and have built excellent credit.

Post # 21
Member
466 posts
Helper bee
  • Wedding: May 2019 - York, ME

I love my Discover It card. I think it’s worth giving them your information enroll.

Post # 22
Member
2141 posts
Buzzing bee
  • Wedding: March 2019

I also recommend Credit Karma. Get on there, see what your score it (its just good to know that anyway) and they will recommend something for you to apply for. 

Post # 23
Member
1266 posts
Bumble bee
  • Wedding: August 2018

I also got my first card through my bank. I got the Chase Freedom card which offers reward points, so you could use those toward a statement credit as well.

My credit is now in the excellent range and it’s because I’m never late on payments, I’ve had multiple types of debt (student loans and car loan), and multiple credit cards with a large credit limit and low debt ratio. Once you get the first credit card, pay off the balance every month and I suggest using a site like Credit Karma, like pps suggested, and using that to track your credit and also see what other credit cards you qualify for.

If you find that you don’t want to use the credit card any more, don’t cancel the card just stop using it. The age of your accounts is important for your credit.

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