I work parttime, How do I get a credit card I wanna establish credit because I have no credit?

Answer 1

There is a lot of misinformation about credit. This article will disprove many of the common credit card myths and provide some tips on increasing your credit score. There is no arguing that a better credit score means better interest rates for your mortgage, auto, and all other areas where credit is used. By implementing these tips you could save hundred of dollars in interest in the long run and put cash back in your pocket in the short term.

1) Avoid using cash and borrowing from family for all your purchases. In the eyes of creditors no credit history is the same as a bad credit history. You may get away with paying cash for your car but when you buy your first home it will come back to haunt you. Even if you can afford to borrow or pay cash try opening an account to buy your furniture, automobiles, or home improvements. A diverse credit background will help with your credit score.

2) Your credit report tells all. Do not lie or stretch the truth to lenders, banks, or employers. They will easily catch you and the consequences are not worth it. Read more about credit card at: http://www.credit-card-gallery.com/article/136,Seven_Must_Know_Credit_Tips

Answer 2

First try getting a debit card attached to your checking account. You can also get a secured credit card through your bank or others which means you put money on the card and use that money until it runs out and then replenish when you want to use it more.
There are also several credit cards out there just for people with no credit history like college students. When I turned 18, I got a credit card from Capital One. All of the credit cards available to you are going to have high interest rates so you should pay them off every month. That builds really good credit. Soon enough you will be rolling in credit card offers and on your way to good credit!

Answer 3

The best thing to do is open a checking and a saving account with a major bank and then after establishing yourself with them apply for a line of credit though them and that is an exellent way to get started. Also, cellphones are a good place to start establishing credit as long as you make the monthly payments. I would only sign a 1 year contract though.

Answer 4

If you have little or no credit, there are a variety of options to consider. I would recommend trying an 'unsecured' credit card (for poor / no credit) first-- since there's no security deposit. You can find a complete list of these offers here:

http://www.asapcreditcard.com/unsecured-offers.html

Of course, these offers tend to have higher interest rates (and some additional fees) when compare to 'standard' credit cards. But they'll help you build your credit history and improve your credit score. Eventually... with regular, on-time payments-- you'll be able to apply for better offers with lower APR's and less fees.

Try the Orchard Bank Platinum first. If you don't qualify for their 'unsecured' offer-- they'll automatically offer you their secured credit card instead. This way, you only apply once and only have 1 inquiry on your credit report.

Hope this helps. GOOD LUCK!

Answer 5

Do you pay rent, or room and board like at home? If so, do you have receipts showing these payments each month, and on time? Do you currently have any bill (like electric) that you pay on each month? That is one way to establish credit. If not, I would recommend a credit card from a gas station-like texaco, shell, chevron. Once you get it, buy a tank of gas with it, that you can definitely pay off that month, or the following month. I used to have dept. store credit cards, and I would pay them off every month. And, when I got a Nordstrom credit card, I bought a pair of heels, paid with the credit card, went directly upstairs to the business office, and paid cash, paying it off. To help show good credit. Just please be sure to make the payments on time, if late, they can charge a late fee, and the interest goes up, considerably. Take care..

Answer 6

You can apply for Bad Credit Credit Cards. This type of cards are offered to peoples having low credit or zero credit.

Its a policy voilation of yahoo if i post any link here.
Just mail me at [e-mail] with subjet- Bad Credit credit cards . I will send a link of best website where you can find good offers, tips and resources.

Best wishes

Answer 7

Try applying for a secured card which reports to the bureaus. You will want to specifically look for one for people who zero or low (bad) credit. The link below lets you compare rates, fees, and cards. Good luck.

Answer 8

You did not say how old you were. Anyway given your old enough there are many companies at the moment that have a variety of cards that meet mosts persons situations. It will just be a simple matter of applying for one. If you need further information check my profile.