how do i apply for a credit card when i have no credit ?

Capital One Orbitz® Visa® Platinum offers a no annual fee deal for people who have never had any credit cards before but who can provide some valid credit score. You might have built some credit score due to having previous small personal loans, a student loan or being an authorized user on another person's credit card. You could also qualify for the card if you have a substantial income and stable job.

If you are a student, it would be easier to qualify for No Hassle CashSM Rewards for Young Adults, also from Capital One. This card has moderate annual fee and an average purchase APR. It is a good tool to establish and build strong credit history overtime.

In case you are not a student, you do not have a credit score and enough income, you should consider applying for a secured card. Black Diamond Visa® from Millennium Bank may approve you regardless of the score and social status. Its major requirement is that you make a beforehand security deposit specified in the terms and conditions and provide documents verifying your income.

Apply for the right credit card to be approved.