What is the best credit card for someone with no credit history?
I’m wanting to establish good credit but I don’t know where to start. I don’t want high interest and I know if you don’t have credit history, your credit is bad. Please tell me which credit card I should get. Thanks.
No trackbacks yet.
What credit card is best for a first credit card, and you have limited history?
March 23, 2010 - 12:53 am
Tags: Best Choice, Credit History, Limited
Posted in Credit | 1 comment
Tay asked: I just turned eighteen at the end of February, so I have limited credit history. I was wondering what credit card is used for building credit, and would be the best choice for a person getting they’re first credit card.
How can you get the credit cards to stop coming to your un employed better half?
February 26, 2010 - 9:05 am
Tags: Credit Card, Credit Report, Names
Posted in Law & Ethics | 5 comments
redeyefredeye asked: She has went bankrupt twice and there is nothing i can do about it. The credit report is in both of our names because the state requires it. You cannot stop her from getting credit cards and ruining your credit unless you get a divorce. I dont have a credit card and on [...]
What is the best credit card to apply for to rebuild credit?
February 17, 2010 - 6:31 pm
Tags: Charge Offs, Credit Card, Rebuilding Credit
Posted in Credit | 5 comments
elmdee asked: I have a pretty low credit score (597) and want to begin rebuilding my credit. The score is low from charge offs about 3 years ago. Is there a certain bank or credit card that is easier on people like me that will give me a credit card? And yes–I do plan on [...]
What is the best credit card for a first time user?
February 17, 2010 - 12:46 pm
Tags: Credit Card, Time User
Posted in Credit | No comments
I’ve never had a credit card before, just turned 25 this year and was wondering what credit card is the best to use “not saying I will get one” Just doing some research on which ones are the best and which to stay away from. Thanks for any help.Submited by:Pixie25
What is the best credit card for an 18 trying to build credit?
February 12, 2010 - 4:59 pm
Tags: Credit Card, Credit Cards Work, Wisdom
Posted in Credit | 5 comments
illusional_reveur asked: I’m soon to be 18 and am looking to get a credit card to help build credit. My dad said the best thing to do is to just use it to buy gas, but I’m not really all that up to date on how credit cards work and which ones are the best. [...]
How many credit cards is too much to affect your credit score?
February 5, 2010 - 12:14 pm
Tags: Bonus, Credit History, Rewards
Posted in Credit | 6 comments
ronnin72 asked: I am going to ask another question regarding which CC should I add to my credit card profile to add to my rewards. I have excellent credit, pay my balance in full each month, and I use my CC to pay for everything I can to rack up points/miles etc. I am at [...]
How does someone build credit without a credit card?
February 2, 2010 - 1:01 pm
Tags: Apartment Rental, Build Credit, Credit History
Posted in Credit | 8 comments
Li asked: I am thinking of those who do not have a credit card and pay for everything by check and cash. How is their credit rated? Is it based on a loan for example (car, student, etc.) and what if it is their first time applying for such a loan? How is their credit [...]
How much does opening up a credit card affect your credit score?
January 17, 2010 - 2:48 am
Tags: Credit Card, Debt Balance, Discover Card
Posted in Credit | No comments
If you open a credit card, but don’t use it or don’t carry a debt balance. I read the more inquiries on your credit score, the lower it goes. I found a deal where I can get free stuff through Discover card just by opening a new card.Thanks!Submited by:R Bennett
How much credit could I get pre-approved for with normal good credit?
January 12, 2010 - 7:23 pm
Tags: Credit Card, Interest Rates, Pre Approved Credit
Posted in Credit | 4 comments
Woodrow asked: I was approved for a credit card with a limit of $1000. I have normal credit. I’m interested in starting a business, but I’ll need more money available to borrow. What would my limit be on one of those “pre-approved” credit cards with excessive interest rates that are available to everyone?
When will his credit be good enough to apply for a credit card?
January 7, 2010 - 2:22 am
Tags: Credit Card, Debts
Posted in Credit | 3 comments
My boyfriend is in the process of clearing up some derogatory items on his credit. Once he has paid his debts how many months will it take for him to be approved for a credit card? I understand that the items will be on his credit for 7 years. Will he have to wait until [...]

March 31, 2010 - 8:19 pm
My first card was a Discover card and my fiance’s was a Capital One. Both were very good. I would recommend only using it for small purchases and paying it off in full every month. Right now you don’t need to stretch yourself buy expensive things.
April 3, 2010 - 7:06 am
Get any card you can.
If you are good at making payments don’t worry about the interest rate. Check the grace period and pay your card off in full when due. You won’t have any interest expense and you’ll develop credit. Once you get a better score you can get a better card with lower interest rates.
You gotta start somewhere. Take baby steps, you’ll get there.
April 3, 2010 - 9:03 pm
I think I think the best way to establish good credit is to start with a secured credit card. After 6-8 months, you can apply for non secured credit cards. I established mine that way.
April 4, 2010 - 8:27 pm
You have a couple of options open to you. Orchard Bank offers cards to people either wanting to build or rebuild their credit. Another option woud be to check where you do you banking to see if secured credit cards are offered. Some of the major banks like Citi, Bank of America, Wells Fargo, and USBank all offer them. You can think of this as building credit with a savings account because that’s how they basically work. You put a deposit that’s usually tied to a savings account as collateral to establish a line of credit. You can increase the credit line by adding to the deposit which also gains interest like a savings account while you’re building credit. Usually anwhere between 9-18 months of paying on time and keeping the balance low (around 25% of your available credit) the card either converts to a regular one, or a better card’s offered and you get the deposit you started the account with back with interest. Usually more card offers come after you’ve built credit with your first card. I went ahead and posted links to Orchard Bank and some secured credit card websites as well.
I hope this answer helps you out,
Good Luck!
April 7, 2010 - 11:20 pm
I think A card with your credit union or bank is a great place to start.
Having no credit is not the same as having bad credit, but it is still a problem.
April 8, 2010 - 6:49 am
I think get free info to get credit card with no credit here it’s help you hope visit
April 9, 2010 - 9:28 pm
Try orchard bank, they help people that need credit or have poor creidt history.. I hope this helped
April 12, 2010 - 2:35 pm
Try First Premier Bank or Orchard Bank. They both have no credit unsecured credit card programs.
April 13, 2010 - 7:45 am
My husband had bad credit and the only one he got approved was from Orchard card. It is high in interest but it was the only chance he had to establish credit. Then later he applied for another card then transfer. (Orcard is good for temporary but not permanent. Hope it helps.
April 16, 2010 - 2:18 pm
To start mine I applied for a credit card through my bank. That was bank of america. I got approved with a low limit but it worked.
April 20, 2010 - 1:53 am
Until you have a track record you probably will have to get a prepaid card. But when you do be sure that they report to the bureaus, a lot of them don’t and if they don’t it won’t help you build credit. I do know of a very good site that both my son and daughter both got their first card from. The site is: Good Luck
April 23, 2010 - 4:27 am
get free info to have a credit card without credit histry it’s help you hope visit