im 19 and i’m just now starting to build my credit.the only credit i have is from paying my cell phone bill.im trying to get an apartment but i dont have enough credit.its not that its bad i just dont have enough.i need help.i cant get a credit card b/c again i dont have enough credit to get one.no one will approve me.PLLEAASE any advise.
How can build credit when i dont have enough credit to get a credit card???
January 31, 2012 By 20 Comments
We all have to start somewhere. I suggest going to your bank and getting a secured credit card, even if it is only for a few hundred dollars. My daughter did that when she was a teen. In less than a year the bank gave her an unsecured card and she has had no trouble obtaining credit since then. Just pay your bills on time!
you can get a catalogue, or if you have any utility bills in your name
There’s credit cards out there that you need to pay first to activate it, and that will help build your credit, and with your cell phone too. And, if your parents can, add you to their car loan or get a car loan with a co-signer, that will help build up credit fast!
Stores some times offer credit cards just for their stores. If you show you can be responsible with that, then the credit card company with take that into account making it easier to get a credit card.
Credit card approval is largely based on your income history .
How much do you make and for how long ?
Apply at mom and pop rentals instead of the apt complexes .
Fewer of them do credit checks .
They will probably want proof of employment and income that shows you can afford the place however .
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Contact your bank about getting a secured credit card. Use it little and pay it off every month. If you’re in college, you can get one the offers there. They approve almost anyone. Keep paying your bills on time. Don’t get more than one card at this point. That will just over-extend your credit.
See if you can get the apartment with a co-signer.
You need to apply for a credit card that doesn’t require long credit history. I found this site that’ll help you find credit cards that doesn’t require credit. There’s a card at the bottom of the site that’s from Orchard bank which I heard is really good. Check their “Bad Credit/No Credit” section as well for more options.
These cards will help you build credit and they are easy to get approved for. Good luck!
Many banks have student accounts and things like that where they hand you a credit card basically no questions asked. I had no credit at all and they gave me a credit card the day i turned 18. I have bank of america but i guarantee you other banks have similar. Try going through your bank and not one of the credit card companies to get one.
You can get a prepaid credit card. You can go to a check cashing place or search online. All you do is put money on your card and use it the same way as any credit card. The only difference is you won’t be billed because you have the money on your card already. In essence, it works like a debit card but builds your credit score at the same time. I hope you find this useful
Apply for 2 secured credit cards where you are putting up a deposit and they give you a card. Make SURE that your new secured cards are reporting to the credit reporting agencies.
After that you can apply and start getting some department store cards and some gas cards. Just use them nominally and be sure to pay them off in full every month. Just use them for everyday things gas, food, clothing etc. and make sure to pay them off every month and on time too.
Within about 3-6 months or so your mail box will start getting flooded with all kinds of offers.
ok if you know that no one will approve you than you must have applied for some already. everytime a company or someone runs your credit you are losing points on your credit score so stop doing that. Apply for one with your bank. all banks have there own credit cards. not the ones they send you in the mail and stuff. OR go to a jewlry store and buy something on credit (MAKE SURE YOU CAN AFFORD IT) that is how many people i know started building their credit. You could apply for a small loan at a loan place BUT they have really high interest so make sure you can afford it but it will end up helping your credit once you pay it off. Just be careful and dont do anything unless you can afford it! Good Luck!
You can get a secures card, but go thru your local banl. Usually the reputable banks have much lower rates then ohter companies offering them. Also – check out places like AArons – they report to the bureaus and have 90 days same as cash programs. You may try to have someone add you to their credit line.
Good Luck
Nancy
creditbuilderusa.com
Most banks or credit unions will give you a credit card for $100, use it to buy everything but pay it off within the month, after 6 months, up the limit. Rinse and repeat. Then try to get a cheap car, (less than $4000) on a loan and make good payments.
Wallah, good credit.
http://credcards.noneto.com – try this one. I personally use their card. As I know it accepts everyone, even if a person has no credit.
try a department store card (like macy’s or old navy) where the likliness of you getting approved are very high– I was able to get an American eagle credit card when i was 18, with only a credit limit of 150— its low but its a start. I now have a couple of credit cards with higher limits and am working on getting some credit history
GOOD LUCK
i am not sure about your apartment,,
but i am certain that you can build your credit
by getting a “Poor Credit” Credit Card
if you are willing to pay a yearly fee of $25 to $50,
here are some cards you are eligible to choose from….
Continental Finance MasterCard®
Continental Finance Gold MasterCard®
Rewards 660 Visa® Card
for a full list of credit cards you can get, their reviews, and comparison features, as well as an option to apply at the participating credit cards website… check out cardlister.com
the direct link to the “Poor Credit” Credit Card section of the site is below.
http://www.cardlister.com/CreditCards_listX.asp?st=Category&sc=Poor+Credit
Depending on which credit card you apply for – you’re right – you’ll probably be turned down. But there are quite a few issuers out there who offer “credit cards for bad credit” which are designed for people with poor – or no credit history. Here’s some examples: http://www.wowcreditcards.com/bad-credit.htm
Although these offers tend to have higher interest rates and additional fees when compared to standard credit cards, they’ll help you prove your credit worthiness and build your credit score over time. Keep your balance under control and make regular on-time payments, and eventually you’ll be able to qualify for a better offer with lower rates and less fees.
Hope this helps. GOOD LUCK!
there are a couple of ways you could start building credit, you could get a small personal loan which you might need a cosigner or the best way will be getting a credit cards, you could get a credit card and use it for your every day expenses but make sure you pay in full at the end of the month that way it will show pay in full everytime the credit card company reports to the credit beuros. At the begining you will only be approved for the lower end credit cards but once you build credit in about 6-9 months you should be able to apply for a better card with better benefits such as free miles or cash back. Check out http://www.fastcreditcardapprovals.com and go under bad or no credit section and you will find a few choices.
http://fastcreditcardapprovals.com/
There are a lot of ways to build credit when you have none.
this article should help you
http://www.buildcreditblog.com/credit-cards/how-to-build-credit-when-you-have-none
You can get a credit card but you like people with bad credit will have to crawl first. So, here is what you do, except one of those 50 dollar limit credit cards, pay them off each month on time, you will start to build credit therefore increasing your spending limit. Plus, you will increase your credit score gradually. Also get a copy of your credit score you are allowed one free each year. http://www.annualcreditreport.com. Once you have it start disputing faze, look for newer placed negatives , pay off the smaller ones first. Than instead of paying off the older ones or soon to fall off negatives. Leave them alone because It is said that when you pay off a negative it only restarts the negative against you.
Check out some of the options below.