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Well, if you have supportive parents that trust you, they can add you as a designated cardholder on to one of their credit cards. However, if this is not an option, there are always credit cards that you "pre-pay" in a way. Not like the gift card credit cards, but a credit card where you send them the opening balance (for example, if you want your limit to be $500, you would send them $500) and then as you use that responsibly, you will start to get credit offers in the mail. |
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Thomas V
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Apply for a credit card so you can build a credit score.
Orchard Bank and First Premier Bank are the easiest credit cards to get. |
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msyak2000
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The great catch 22 of credit. It took awhile before I got my first credit card. And now I have 4 offers in the mail every day. Eventually, someone will take a chance on you... at about 22% interest. :) Try the link below. I had my first credit card with them.
www.appliedcardbank.com |
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Jess
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I had that problem. Spent 40 years of my life paying cash for everything and then wanted to buy a house and they said no because I had no credit history. They told me the best way to establish credit is to get a secured credit card where you send an amount like $200 to a company and they issue a card that allows you to use that $200 to buy gas or some small regular purchase. You pay on that card for two years and it shows up on a credit report that you had a debt (the card) and paid on time, and from there you can get other small loans or credit cards and continue to build it up.
Crazy, isn't it? 40 years of no debts and they say I'm a risk. Go figure. |
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joe m
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Apply for a credit card, make all of your purchases with it and pay it off immediately. It'll increase your credit score and if you are good about paying it off you won't have any finance charges. Also make sure you pay off ALL of your bills (ie. utilities, car payments, etc.) on time. Missed/late payments can hurt your credit.
It's too simple to get good credit. Just pay everything off asap! |
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Penny
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I heard jewelry stores are an easy way to establish credit. Buy something not too expensive and put it on layaway or see if they will give you a credit card. Make your payment on time every month and this will help you establish more credit. |
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Sumeraine
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Capital One has a pre-paid credit card with a small limit. And they are a reputable card company/bank. You send them say, $200 & they put it into a savings account against the card. After a while of good payments, they'll raise the limit for you. After so many years, they refund your original deposit. It worked for me. |
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beauty s
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yes try orchard bank or Chase |
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frkygrl84
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well when i was 19 i had no credit whatsoever until i bought my first car with my own money and i got a loan through my bank and never missed any payments and now that i am 22 i have outstanding credit so what you have to do is purchase some kind of equity and make payments or get a loan and that will help your credit big time. Or you can speak with a loan officer at the bank and they will tell you how to achieve credit. good luck |
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Patrick
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I'd say the most important thing to developing your credit history is your relationship with your bank. Start by saving 1,000.00 and then take out a secured loan against it. Use that money to make the payments for six months and them pay it off. That will get you started and will build your relationship and credit history. |
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KxFx
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go to some small sotre .. like the mail .. express for example .. get one of those cards .. buy something and pay it off a-sap .. and I do mean a-sap for the interest is killer .. it will start to build credit for ya .. then ya can go from there .. like mastercard - visa .. ya get a late payment tho its put on ur credit score and thats bad buddy ... |
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