How Can I Get A Credit Card If I Never Had One?

Following are several ways you can improve your odds of securing your own credit card and getting your credit history started.

  • You’ll Need to Have a Job.
  • Prequalify for a Credit Card.
  • Get a Student Credit Card.
  • Apply for a Store Credit Card.
  • Get a Secured Credit Card.
  • Get a Credit-Builder Loan.
  • Get a Co-Signer.

Do I have credit if I never had a credit card?

And we have a consumer question today, and it is, “Can I have a credit score without having a credit card?” And the answer is yes. If you have a car loan, a mortgage, student loans you certainly have a credit score. And there’s probably three, because there’s three credit reports and then there’s FICO.

Can you get a mortgage if you’ve never had a credit card?

Credit Cards and Mortgages

I am looking to get a mortgage to buy my first home but have never had a credit card. Even if your credit score is not very strong we have access to a whole range of lenders who can take a more bespoke approach, instead of just “computer says no”.

How do I get my first credit card?

Here are seven basic steps to making the most of your first credit card.

  1. Use your first credit card wisely.
  2. Pay on time.
  3. Pay your balance in full.
  4. Know your credit score.
  5. Check your credit report once a year.
  6. Monitor your account.
  7. Protect yourself from fraud.

How can I get a credit card with no credit history?

We all need to start somewhere

  • Best Cash Rewards: Capital One QuicksilverOne.
  • Best No Annual Fee: Capital One Platinum.
  • Best for No Credit Check: OpenSky Secured Visa.
  • Best Cash Back Secured: Discover Secured Credit Card.
  • Best Cash Rewards for Students: Discover it Student Cash Back.