Trying to get a credit card, but no credit. Anyone else?
 

Basiclly i'm trying to get a credit card but have no credit so can't really get accepted. Does anyone know of any with decent rates? Figured someone may have already gone through this. Thanks

Re: Trying to get a credit card, but no credit. Anyone else?
 

I can't see how its possible for a person to not get a credit card. I get like 3 offers a day for credit cards

Re: Trying to get a credit card, but no credit. Anyone else?
 

Same here. I got my first one when I had no credit, I dunno how you are getting denied.

Re: Trying to get a credit card, but no credit. Anyone else?
 

haha i choose not to own one

Re: Trying to get a credit card, but no credit. Anyone else?
 

haha well i dont know, i don't get any offers and have really never done anything wrong that would negatively affect my credit..

Re: Trying to get a credit card, but no credit. Anyone else?
 

google credit cards and start calling. your gonna get fucked for the first year with no credit. no credit = high interest rate. buy ----, then pay it off. do it fast, and dont make minimum payments for about a year, then re-apply...and ask for a lower IR.

Re: Trying to get a credit card, but no credit. Anyone else?
 

:y

Re: Trying to get a credit card, but no credit. Anyone else?
 

I buy everything with my credit cards. The only difference is I pay off my bills each month so the credit card companies don't make a dime off of me. If your an idiot than you shouldn't own a credit card but if your not a complete smacked ass than credit cards are great

Re: Trying to get a credit card, but no credit. Anyone else?
 

just apply for a gas card/ credit card. or get one of those secure credit cards from your bank... its a start. just be responsible, or it will bite you in the ass in the future..

Re: Trying to get a credit card, but no credit. Anyone else?
 

try capitalone. i had no credit but they give me one. even though its only 200 its just to start

Re: Trying to get a credit card, but no credit. Anyone else?
 

i got one from my bank and they said once i pay it off my credit would be alot better and ill be able to get others ones and a car loan w/o a co-signer

Re: Trying to get a credit card, but no credit. Anyone else?
 

man ---- credit cards i got one from capital one....i never recieved the card becuase it came in the mail and my mom threw it away which is a good thing becuase i dont owe any money. but like a month later i get a 68 dollar bill from that credit card and i was like ---- that i didnt buy anything..... i call them up and they tell me it was a sign up charge and then i didnt pay it so they fined me or whatever so i told them im not going to pay it and they said ok they will credit the account and cancel the card.....

Re: Trying to get a credit card, but no credit. Anyone else?
 

Some places, like Sears, have a track record for handing out their inhouse credit cards to "shady" people with little, no, or slightly blemished credit. Makes it easy to build up a credit rating.

You can go to your bank, lay down a couple hundred dollars for a secured line of credit... means you've already paid for it, really. If you pay what you charge down faithfully (although the money is technically still yours) you eventually have the bank up your limit above the security deposit.

Lastly, if you have a big enough downpayment, you can get financing for all sorts of wierd ---- from cars to houses. The bank's logic is that either you pay the small amount of $ owed off, or they foreclose/repo, keep your deposit, and sell your property to break even or even to profit.

FYI, it is good to keep a continuous debt on the credit card, and make regular payments for a minimum of six months to establish basic low-end good credit. Don't go out and apply for 1001 credit cards, either, as too many inquiries looks bad on your credit as well.

Re: Trying to get a credit card, but no credit. Anyone else?
 

Re: Trying to get a credit card, but no credit. Anyone else?
 

Just go to some retail store and get one of their cards. I got a Kays Jewelry card which I bough about 3 years of Christmas, birthdays, and my watch on. Start somewhere like that to build some credit.

Re: Trying to get a credit card, but no credit. Anyone else?
 

True on the sears ----, the poorest of poorest ------s rolled up and didnt have cash/job/or a means of payment and they still ended up getting something like 300 limit in 5 minutes.

Re: Trying to get a credit card, but no credit. Anyone else?
 

www.providian.com or www.householdbank.com will give just about anybody a credit card, but be prepared to pay an annual fee and a high interest rate. No way around it really unless you get your name added to your parents card, but that doesn't help your credit. Get your own card, avoid the high interest rate by paying in full each month and in a year cancel that card so you don't have to pay the annual fee and apply for a better card with no annual fee. I could go on and on about credit and what you should or should not do, but I have to go to work

Read www.creditboards.com
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Re: Trying to get a credit card, but no credit. Anyone else?
 

Exactly.. I have one and use it often and pay off the balance each month, still rockin the 0% APR :y

Mine's through Bank of America.. they approved me in seconds, but my ^wlfhitman tried signing up and they said hell naz to him :4

Re: Trying to get a credit card, but no credit. Anyone else?
 

i have a student visa with wellsfargo and 2 other credit cards. nothing with high limits. which is good because id rack that bitch up in no time. and like JD said its good to keep a balance because it shows that you can pay ---- on a timely manner rather than paying it all at once. but to be honest with you, if i could go back i wouldnt get any damn credit cards. :l

Re: Trying to get a credit card, but no credit. Anyone else?
 

when i turned 18 i got mail from capital one and i filled out the application and recieved their credit card. So far it seems like the best one out there some of the lowest rates, really good ---- i would check them out, capitalone.com .

Re: Trying to get a credit card, but no credit. Anyone else?
 

^ i also have a capital one card ;D

Re: Trying to get a credit card, but no credit. Anyone else?
 

Try a paypal card if you have paypal I had bad credit and they gave me one (repoed car 2 years ago, outstanding collections totaling a few grand etc)....No interest for the first 6 months, no signup fee. Beware though, the APR is 25% after 6 months....but it'll help build your credit just pay it off everymonth.

Re: Trying to get a credit card, but no credit. Anyone else?
 

if your looking for a credit card to buy car ----....dont do it. Been there done that, fucked myself over. The interest rate will own you.

Re: Trying to get a credit card, but no credit. Anyone else?
 

Visa owns me. I owe close to $2600 on it @ 18% intrest. bahahaha

Re: Trying to get a credit card, but no credit. Anyone else?
 

get a cell phone in your name and dont't pay late, and store credit cards are easy to get

Re: Trying to get a credit card, but no credit. Anyone else?
 

i just went through this when i was 18 i wasnt the most responsible mofuker on eartth and i fucked up my credit now that i paid it off i went to my bank and they wouldnt give me a credit card so i just went online and got a student credit card form city bank with a 500 dolar spending limit and not so shitty apr, just google "credit cards" and apply some one is gauranteed to give you a card,, just dont ---- up your credit PAY IT OFF EVERY MONTH and reapply everyyear for a slightly better one with lower intrest and higher spending limit

just my $.02

Re: Trying to get a credit card, but no credit. Anyone else?
 

I can`t get no credit card either, nothing ever happened but whenever I apply it would say i have no credit :S
I`ve made almost 40K a year back then yet they still don`t approve it. :X
Right now the only way i can get one is to apply one that requires u to leave a hundred buck deposit at the bank, but ---- that, I feel way better on spend CASH muddafucker 8)

Re: Trying to get a credit card, but no credit. Anyone else?
 

Why do you feel the need to spend more money than you have?
If you really cant get a credit card, then that's gods way of telling you, "Dont go there."

Re: Trying to get a credit card, but no credit. Anyone else?
 

:y

Re: Trying to get a credit card, but no credit. Anyone else?
 

easiest thing you can do is get a macy's or sears card, buy ---- and pay it off quick. If not, then go to a bank, open an account, put money in it, make sure you have a job, and ask for a credit card. At first you will get high rates, but as time goes by, you can ask for lower rates and higher limits.

just dont go ---- yourself by going on a buying rampage, its too easy. especially if your limit is high.

-Jose

Re: Trying to get a credit card, but no credit. Anyone else?
 

99.9% of cell phone service providers don't report positive credit. If you don't pay them they will report it, but they won't report your timely payments.

It's not about spending more than you have. Credit is waht makes the world go round. You can't do ---- without credit unless you have bundles of cash and most of us don't. When you're older you'll be kicking yoursle fin the ass for not building your credit. Try to buy a house with no credit. Sure, you might get the loan, but that interest rate is going to cost you THOUSANDS of dollars over the term of your home loan.

Plus, credit cards are good for emergencies. What happens if you get sick and can't go to work for a coupel days or even a week? It would be nice to have a credit card to go buy groceries with and pay them back in a few weeks when you get your next paycheck from work. Try shopping online without a credit card. How do you pay? Mail a check? That's gay and slow and just old school. Credit cards are very handy and as long as you're smart with them and don't go overboard they will be very good to you.

www.creditboards.com will teach you more about credit than you will ever need to know.
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Re: Trying to get a credit card, but no credit. Anyone else?
 

Yea thanks boost. I'm not really in it to spend spend spend, I just want to maybe rack up 100 dollars a month on whatever and pay it back in good time. That is how you get credit

Re: Trying to get a credit card, but no credit. Anyone else?
 

Just don't get crazy. It's VERY EASY to get carried away with credit cards. Most merchants accept credit cards because it's such an easy way to spend money and research has shown that consumers are much more comfortable spending more money with a credit card than they are with cash.....because it's not cash and it's not coming directly out of their pockets.

I had handfuls of credit cards when I was younger and did so well with them for the longest time. They just kept giving me credit limit increases over and over and I got more comfortable reaching the spending limits.....then I started modding cars.....then I fucked myself. :1 $17,000 later I cut my losses. :l Now I rock one credit card with a low limit and use it as wisely as I can.
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Re: Trying to get a credit card, but no credit. Anyone else?