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How to Get a Credit Card With No Credit History
12 Aug 2019

Approved! How to Get a Credit Card With No Credit History

Did you realize that the average credit score is around 690? Having good credit allows a person to take advantage of things like low-interest loans and credit cards. If you have no or bad credit, you may think your lending and credit card options are limited.

In reality, there are a lot of financial tools available to individuals with no or bad credit. If you are trying to figure out how to get a credit card with no credit history, consider the helpful tips below.

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Secured Credit Cards are a Great Idea

If you are looking for a way to build your credit, a credit card is a great tool to use. However, without a proven track record, getting an unsecured credit card may be impossible.

Instead of giving up after being denied an unsecured credit card, you need to seek information on the secure credit cards on the market. A secured credit card provider will require you to put down a security deposit to get a line of credit.

Before choosing a secured credit card to use, check out the fees and purchase APR. Failing to do this may cost you a lot of money. As time goes by, a secured credit card can help you build your credit, which should be your main goal.

The Power of Retail Credit Cards

Do you have a favorite store you shop at regularly? If so, check to see if they offer a store credit card. These cards often have low approval barriers, which means even people with no credit can get approved.

Most retailers offer these cards to keep their customers engaged and loyal. Be aware that the fact that you have no credit may require you to take less than stellar credit card terms, to begin with.

In most cases, retailers will have an above-average APR and a lower credit limit for people with bad or no credit. Using this card as a means to an end for building your credit should be your main focus. Making payments on time for several months can help you build your credit and increase your FICO score.

Become an Authorized User

Another great way to access to credit with no credit history is by becoming an authorized user on someone else’s credit card. As an authorized user, you will establish a great payment history.

Even if you don’t use the card in question, you can still benefit from it if the payments are made on time each month. Also, you will not be legally responsible for the balance on the card which can help you avoid issues in the future.

Learning How to Get a Credit Card With No Credit History Takes Time

If you are attempting to learn how to get a credit card with no credit history, avoid getting impatient. Simply taking the first credit card offers you are presented with can lead to mistakes being made.

Are you looking for information on no credit check personal loans? If so, read our article on the pros and cons of these types of loans.