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If you don't have any credit yet, it might seem hard to take that first step towards building a credit history. How can you be approved for a credit card if you don't have any credit reports to check? There are actually quite a few options for you, covering both secured cards and unsecured cards.
By Brendan Harkness
By Brendan Harkness
If your goal is to establish a positive credit history, credit cards can help you get there. Even starting from nothing, there are some credit card offers that can help get your foot in the door.
Although you won’t qualify for the most valuable and interesting cards, you aren’t stuck with the absolute worst cards either. Having no credit can actually be better than having poor credit when it comes to applying for your first credit card.
You don’t have a history of negative activity weighing you down, which could automatically disqualify you from some card offers. (If you do have a negative credit history, check out some credit cards designed for bad credit.)
It’s important to always use credit cards responsibly, and this is even more crucial when you’re trying to build credit. This is actually pretty simple; the main challenge is making consistent, on-time payments (preferably of your full statement balance) month after month.
If you can handle these three conditions, you can use a credit card (or cards) to help establish an excellent credit history.
Take some time to read more in our Definitive Guide to Building Credit with Credit Cards. You’ll learn all about how credit cards affect your credit, how to use them to increase your scores, and how to qualify for the best cards on the market.
There’s more to a strong credit history than just credit cards. Check out the other elements that factor into your credit and how to maximize each category for the best credit scores.
The information related to Capital One® Secured Mastercard® has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.
The information related to Journey® Student Rewards from Capital One® has been collected by Credit Card Insider and has not been reviewed or provided by the issuer or provider of this product.
Credit Card Insider receives compensation from advertisers whose products may be mentioned on this page. Advertiser relationships do not affect card evaluations. Advertising partners do not edit or endorse our editorial content. Content is accurate to the best of our knowledge when it's published. Learn more in our Editorial Guidelines.
The information related to Capital One® Secured Mastercard®, Journey® Student Rewards from Capital One®, and Capital One® Platinum Credit Card have been collected by Credit Card Insider and have not been reviewed or provided by the issuer or provider of these products.