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Answer:
Financial experts claim that to have no credit is better than to have bad credit rating as the latter shows you as irresponsible, high risk customer. Therefore, as a no credit person who is starting credit history and has no negative payments with current or previous institutions, you can choose from a wide variety of credit cards designed to start up your credit file. A major issuer catering for customers new to credit is Capital One Bank. Young people earning their living or college students will always find a suitable for their special needs credit offer. We suggest you consider applying for Capital One Standard Platinum credit card which has no annual fee, 0% intro APR on purchases and exclusive savings program. If you don't mind earning rewards with your first credit card, then pay attention to No Hassle PointsSM Rewards credit card from Capital One Bank. It has a moderate annual fee and allows you to earn points at gas stations, drug stores and groceries. In case you are a college student, there's an attractive offer for you from Citibank. Applying for Citi® mtvUTM Platinum Select® Visa® Card for College Students, you will get not only a no fee, low rate credit card, but also a great rewards credit card. Earn points on favorite purchases and redeem them for great rewards.To qualify for Capital One and Citibank credit cards for no credit rating, you need to comply with certain requirements. You are to have a job and stable income, there should be no bad or bankruptcy records in your name and you must be a US resident. |
