how do yu get credit started im 19 with no credit and i can never get a card. i applyed alot and no luck?

Answer 1

What I did was to buy an item at Sears using a store account. When I finished paying I applied for their credit card and received it. Just start small and work up. Do not try to get an American Express card first.

Answer 2

It's simple, and it's how I first got a card.

You go to a local university and find the credit card booth, usually in the vicinity of the campus, or maybe on campus itself.

Fill out the form for a student Visa or Mastercard, and within a week or so you'll have a card with a very low credit line. It'll probably only be a few hundred.

But once you get that card, make a few charges a month, and pay the balance each month on time. Link it with your bank account so you can avoid writing checks, and before you know it you'll be getting offers for new, better credit cards with higher limits.

Be patient though, and slowly build up credit, don't accept multiple offers. Keep your credit cards to a minimum since you're so young and new to credit.

Start with the student credit card, and then open one more card once the offer presents itself, and has good terms without any fees.

DO limit where you apply...for instance, don't apply for credit cards at stores such as Best Buy or for platinum or gold cards you know will be a longshot.

Learn more about credit, mortgage, and finance:

http://www.thetruthaboutmortgage.com

Answer 3

Quit applying for everything. Every time you apply, there is a small hit against your credit (lowers your credit score). You can apply for a credit card that allows you to pay upfront. Example, you pay $100.00. You now have a $100.00 balance to spend. After you have used the card for a few months, and made your payments on time, you might be able to receive a real credit card. Start slow, charge $20.00 a month and pay it off, or close to it each month. It will take some time (at least 1 year) to establish good credit history, but you definitely have to start somewhere. Just keep in mind that you are using the credit cards to establish credit, and not to buy things you can't afford. That is where credit cards can do more harm than good.

Answer 4

First, do you have a job (income)? Secondly, quit applying all over town. Next, have you saved any money (buying something with a down payment will lessen the risk factor a lender considers)? Do you have a checking account (how will you pay the loan otherwise)? Get a Debit card. Last resort; get a co-signer.

Answer 5

If you are in college take out a student loan. Those are great for building credit.

If you are not in school try buying something on credit with a co-signer.

Answer 6

You should start with a secured card. Here is some info that will help.

Answer 7

you didn't say whether or not you have a job. Without a job you will not get credit.

Answer 8

try best buy card - that was my first one - then i got a cap one the next month

Answer 9

go with you a student card
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