How the heck can I get a credit card?

Question

I'm 23 years old and I've applied for a bunch of credit cards over the past six months, now that I have my first real job out of college and want to establish some credit. However, every card I apply for rejects me because I have no recorded credit history. I can't even seem to get one of those gas station cards.

Sorry if this question gets asked a lot, but I'm tired of getting rejected left and right.

Answer 1

Applying for "a bunch" in the last six months is negative toward your credit history. Stop by your local bank and see if you can borrow a small personal loan...or maybe buy a car?

Answer 2

You had better check your credit first, because it sounds as if something may be derogatory on your credit. Plus, if you sign up over and over creditors see this and will deny because they think something fishy is going on and that it may not actually be you doing it. What you might check out is a pre-paid, or low volume credit card. Try Orchard Bank as even though they have high percentage rates, you may be able to get one with a 2/3 or 500 dollar limit.....Things take time and in five years your limit will be 5000. The pre-paid card works in a manner which appears on your credit as the real deal, just google "prepaid credit cards" and go from there. Good Luck!

Answer 3

well dude, one reason is every time you have your credic ran, it takes off one point. So don't just apply to any an every offer you come across. Yea the besy buy cad sounds cool but like i should have done with weed just say NO.

You may have to contact a company, any banker will know the name. They handle all of that mess. I had to do it when i bought my 2nd car. You write them a letter, they send you your credit report. Being your not the only BUSTER KUNTZ,in america you will have to dispute some of the things on your report.

After you send that back( the one I used was a HQ in san antonio, 250 miles from my home) it took 6 weeks to get it back an all fixed up . So that's one thing your gonna need to check into. Also if you have no credit, and one company asks for a deposit do it. BUut use it for cheap crap. Buy a cd, go get a burger. and pay it off as soon as you get your bill. You credit will soar after that.

Answer 4

BS from Canada has it right. You got lots of answers but none right till BS. A secured credit card is your easiest way. Earn $500 and put it in the bank and you keep it there while you basically borrow a $500 credit line. Pay it off and you will be on your way to the big life of credit card payments. Be careful and play it SMART, pay your bill off each month and you might not be one of the millions who support your local bank. If a place takes cash and you got it in your pocket use it. Don't put McD's $ menu items on your credit card. Not good and nothing tastes worst than a burger you pay for 20 years.

Answer 5

The easiest method is to open a bank account & instead of applying for the "regular" credit card that a bank give's you like VISA, MC etc...where the credit card company checks your credit history and IF you qualify "loans" you a set amount the usually starts @ $500 & you begin to pay high interest if you do not pay the minimum balance by the specific date that's when the "fun" begins & the companies make money. Here's the flip side to that scenario & the one method that you want to apply for...ask for a SECURED CREDIT CARD. Which means you apply the same way but, instead you use your OWN MONEY. Example: You "give" the credit card company your own money to put on the card & in essence you are using their "branded" card for convenience & increasing your credit profile while spending your own money...Usually the minimum limit is the same $500 that you pay the bank and they transfer the funds to your new card...you're now on your way to crdit bliss or like the rest of society---financial destruction! But, hey...at least it's your own cash that your signing away in the short term.

Your welcome & enjoy...cost for this little tid-bit of info will only cost you 3 equall payments of 39.95 + taxes for as long as you have credit for the rest of your life...just deposit the above payment into my email account each and every month...and remember, don't be late! :)

Just kiddin', good luck...

Sincerely,

BS from Canada

Answer 6

You should have a bank account. Your bank will qualify you for a credit card. It may be small, but they will do it. Go in to your bank, tell them this is your first card and you are trying to establish some credit! That's how I got my first credit card.
The limit will be low, but once they see that you make the payment (try to pay the whole thing off ever month) They will give you more!

Answer 7

Do a web search for" credit cards for no credit or bad credit". Something to that effect. It should pull up a whole slew of credit card opportunitys. Every time you apply for one of these cards, they pull your credit. That takes points off of your credit score and throws up a red flag to creditors. You will ruin your credit before you even get any credit.Go to the Orchard Bank website. You might can get one through them, if not just keep doing searches. Be specific in your web searches and read what they say you have to have to qualify. Don't apply for anymore unless you know that you meet their specifications.

Answer 8

ok, here is how to do it, will take a little time tho. open an act at say Penny's or sears, just a small charge acct. you may try this at several spots. when you buy a shirt, charge it and then when the bill comes, pay it all right then. Do this for a bit with a couple of accts. that should get you enuf credit to get started. Let me tell you, people that dont manage credit cards right get themselves in debt fast, i say its good you cant get one. ALWAYS pay it off when the bill arrives, never pay the minimum, pay it all if u can...good luck

Answer 9

In Australia the only way to get a credit rating is to buy a phone on a plan and wait one month to get a credit rating then apply for credit but be careful. Phone bills are the worst debt but in Australia the only way we can get a credit rating.

Answer 10

Check out orchard bank. They usually give credit to everyone....BUT you will have to pay enrollment fees and annual membership fees. You can get one and cancel in a year if your payments are good.
PS I had a secured card and the rats never did report positive to credit report...all that is listed is "open secured account" No good payment history or anything. If you go the secured route, call them up and ask them to report your positive standing...else make sure they do report something.