A common question among the credit industry for young adults is, “How do I find my first credit card when I have no credit history at all?” How am I supposed to build my credit, when I don’t even know where to start? Well, thankfully for the Internet, and credit card companies that are willing to give you a card with no credit history, let me show you how it can be done.
Start with a college card
The best way in my opinion, is to go the college credit card route. Companies like this find that college students are more responsible when they are headed to college. They also assume that a parent is more than likely to pay off bad debts, if a student defaults on their card. This is why they don’t mind lending to students. If you’re not a college student, don’t worry, I’ll have more tips for you.
Try a department card
If you’re not in college, head down to a retail shop like Old Navy, or Kohl’s, and apply for a department card.
These cards will help your credit, and even if you don’t really shop there, go there once or twice a month, and make small purchases. The companies just want to see if you can pay off your bill on time. As long as you can do this, you will be set.
Try these two tips when it comes down to getting a card. You’ll find that you won’t want to waste your time applying for cards you can’t get. Instead, if you follow these routes, you’ll have an easier time getting your first card.
