Who will give me a CREDIT CARD?

how do i get a credit card with no credit, im 25 yrs old and paid for my car, education and all other bills in cash since i was 18. so how do i get a card? its not like i cant pay my bills!

I work in the credit card industry manually reviewing reports to either approve or deny credit to people that apply, so I would have firsthand knowledge of what you're looking for.

The ideal card would be one with NO annual fee, a 0% introductory and low (10.99%/max) APR, benefits program, and high starting credit limit. If you don't have much of a credit history, it will be much harder to try to get cards like this. What I would suggest would be to check where you do your banking to see if they offer what's called a "secured" credit card. These work pretty much the same as a regular card only that a security deposit which is used as collateral is placed upfront to determine the credit limit. For example, if you deposit $300, then you could purchase up to $300, and pay back $300. The deposit is used for collateral only when the account is sent to collections, but if you pay on time, usually after a year it's given back to you. 2 main benefits to secured cards is that it give you more control over the credit limit by adding to the deposit, and the deposit is sometimes linked to a savings account, which earns interest while you're building credit, so it's just not sitting there. The more you add to the deposit, the higher the limit, the better your score will get becuase 30% of your score counts on how much credit you have to what you're using. 2 more benefits from secured cards is that by you putting up the deposit with your own money, it makes you more disciplined in managing the card, especially since the deposit would be at stake, and it also helps to start up an emergency fund when you get the deposit back later on.

I also want you to be aware of some cards out there that target people that have trouble getting approved for credit, or trying to rebuild their credit. These cards are easy to get, but they're loaded with hidden fees that are charged which reduce your available credit and leave you with a bill to pay before you even get the card in the mail. Tribute, First Premier, and New Millenium are prime examples of this.

I posted several links to some secured card companies that I think would work out ok.

good luck!

you should have done some of that on credit - you haven't proven to any creditor you can pay

Do you hold a bank account? If so then you can apply for a credit card at any bank of your choice or a financial institution. Try Vanquis Visa credit card.

I went through the same process you will go through.

My first card was through Capital One. They are very lenient on giving out credit cards. They deal with more "high risk" clients (no credit). Be aware that you will start with a low limit like $250 or $500. The idea is to never go above 49% full. If you get a $500 limit, pretend your limit is $249.

You can also go to your local bank (Wamu, Wells Fargo, BofA) and get a secured card. In this case you would put up collateral for the limit that you want. If you put up $500 in cash as collateral then you would be issued a $500 limit. This is a good way to start out earning credit. Once you obtain a score high enough, typically the bank will refund your funds back to you.

You can read more on credit at my site:
http://www.jonjong.com/1.html

Maybe you can try to go to your local bank and request for one CC, is a good thing that you have paid your car and your education, so the bank can see you are a good customer that paids his bills, that will easily fast the process.
Hope i can help

Just apply. I called into a visa provider and asked for one. They will give it to you. You don't need credit to get a credit card. Your credit limit will just be low until you establish good credit then they will increase your credit limit when they see that you are able to pay back the money on time.

go to www.fastcreditcardapprovals.com and go under poor or no credit section start with one of these cards and once you build your credit you could apply for the better credit cards.

http://fastcreditcardapprovals.com/

Citicards will give you a card with a pretty high limit (around 1000), but beware of their high APR's and late/otl fees. Check out websites like creditcards.com too to look at what different cards require in terms of credit.

check out http://cheaploancheck.com it could help ya out. good luck!

if you're doing so well paying for stuff why do you NEED a credit card? credit = debt... debt is bad...

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