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How To Get A Credit Card With No Job
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Having good credit today is more of an obligation than an offer. If you have good credit, you have more opportunities. You can rent a nicer apartment and put down a down payment on a new car. Good credit also comes in handy when you need to apply for a loan.
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So what do you do when you have no credit history at all? Can I use any type of credit card? Young man, student, immigrant and man afraid of debt concept, wondering how can he get credit card without credit history.
Fortunately, there is a way to get a credit card without credit. It’s possible, and it may take some work, but the benefits go beyond getting approval. In fact, some credit cards are designed with this type of individual in mind. However, some require collateral as a result.
Don’t let the thought of paying a deposit to get a credit card run you up the hill. It is possible to get a credit card without a credit history. Let’s see how.
Getting your first credit card can be one of the most important steps to building a strong credit history. But can I get a credit card approval if I don’t have a good enough established credit history to create a credit score? The short answer is yes. However, the types of credit cards that can be accepted are limited.
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If you’re considering opening your first line of credit, building credit can seem almost impossible. This is because most credit card issuers look for consumers with established credit histories to determine their creditworthiness. Your credit score tells the lender whether or not you are liable.
However, having no credit history is different from having a bad credit score. A bad credit score tells the lender that you have misused your credit in the past. You may have accumulated a mountain of credit card debt because you failed to pay several times in a row. Consumers without a credit history simply do not have enough data to calculate a credit score for.
Your credit score has a huge impact on the types of credit cards you can get, but with that in mind, there are options you can choose from. There are credit cards that are aimed at consumers with low credit scores or no credit history at all, such as:
Your options may be limited when searching for your first credit card, but building credit with your first line of credit is not a race you need to win. It’s important to use your first credit card as an opportunity to develop sound financial habits. Then you can eventually graduate with a credit card with more perks and rewards.
Get A Credit Card With No Credit History
There are many student credit cards and secured credit cards with no annual fee, so keep this in mind as you explore your options. The last thing you want is the first credit card that comes with a steep annual fee. For example, the Capital One Platinum Secured credit card has no annual fee, but the OpenSky® Secured Visa® credit card has a $35 annual fee. Your once-a-year payment may not be a lot, but know that you have options.
Similar to the annual fee, you want to keep an eye out for cards that have foreign transaction fees. For students looking for a basic credit card, the best choice to keep in mind is the Discover it® Student Cashback Credit Card with no international transaction fees. Whether you’re planning to study abroad or take a lakeside trip for spring break, you won’t have to worry about extra charges when using your credit card abroad.
Credit cards for individuals with no credit (or bad credit) usually have much higher interest rates. This is unavoidable, but if you pay your monthly bills on time, you won’t have to pay interest. The Petal® 2 “Cash Back, No Fees” Visa® Credit Card (issued by WebBank) offers a great option for individuals looking to build credit while also earning cash back.
Petal 2 offers 1% cashback on qualifying purchases, or up to 1.5% on qualifying purchases after your next purchase.
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