What is the best credit card for someone with no credit history?

12 Comment(s)

1. My first card was a Discover card and my fiance’s was a Capital One. Both were very good. I would recommend only using it for small purchases and paying it off in full every month. Right now you don’t need to stretch yourself buy expensive things.

   Andrea B | Aug 13, 2008 | Reply

2. Get any card you can.

   If you are good at making payments don’t worry about the interest rate. Check the grace period and pay your card off in full when due. You won’t have any interest expense and you’ll develop credit. Once you get a better score you can get a better card with lower interest rates.

   You gotta start somewhere. Take baby steps, you’ll get there.

   Tim | Aug 16, 2008 | Reply

3. I think the best way to establish good credit is to start with a secured credit card. After 6-8 months, you can apply for non secured credit cards. I established mine that way.

   Murat S | Aug 18, 2008 | Reply

4. You have a couple of options open to you. Orchard Bank offers cards to people either wanting to build or rebuild their credit. Another option woud be to check where you do you banking to see if secured credit cards are offered. Some of the major banks like Citi, Bank of America, Wells Fargo, and USBank all offer them. You can think of this as building credit with a savings account because that’s how they basically work. You put a deposit that’s usually tied to a savings account as collateral to establish a line of credit. You can increase the credit line by adding to the deposit which also gains interest like a savings account while you’re building credit. Usually anwhere between 9-18 months of paying on time and keeping the balance low (around 25% of your available credit) the card either converts to a regular one, or a better card’s offered and you get the deposit you started the account with back with interest. Usually more card offers come after you’ve built credit with your first card. I went ahead and posted links to Orchard Bank and some secured credit card websites as well.

   I hope this answer helps you out,

   Good Luck!

   Smoovy Loco | Aug 18, 2008 | Reply

5. A card with your credit union or bank is a great place to start.

   Having no credit is not the same as having bad credit, but it is still a problem.

   ronnlynn | Aug 19, 2008 | Reply

6. get free info to get credit card with no credit here it’s help you hope visit

   sam k | Aug 21, 2008 | Reply

7. Try orchard bank, they help people that need credit or have poor creidt history.. I hope this helped

   beauty s | Aug 23, 2008 | Reply

8. Try First Premier Bank or Orchard Bank. They both have no credit unsecured credit card programs.

   twv23512651 | Aug 24, 2008 | Reply

9. My husband had bad credit and the only one he got approved was from Orchard card. It is high in interest but it was the only chance he had to establish credit. Then later he applied for another card then transfer. (Orcard is good for temporary but not permanent. Hope it helps.

   star | Aug 25, 2008 | Reply

10. To start mine I applied for a credit card through my bank. That was bank of america. I got approved with a low limit but it worked.

    becrebec1004 | Aug 25, 2008 | Reply

11. Until you have a track record you probably will have to get a prepaid card. But when you do be sure that they report to the bureaus, a lot of them don’t and if they don’t it won’t help you build credit. I do know of a very good site that both my son and daughter both got their first card from. The site is: Good Luck

    Dewey K | Aug 26, 2008 | Reply

12. get free info to have a credit card without credit histry it’s help you hope visit

    angelin r | Aug 27, 2008 | Reply

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