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im only 19 so i don't have a credit history and i only make about $12,000 a year. im trying to... |
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Date:
May 2, 2008, 12:56 am |
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im only 19 so i don't have a credit history and i only make about $12,000 a year. im trying to build my credit up and most banks turn me down because of my low income. Im a very responsible person and i know i can keep up with the payments so where can i find a credit card thats right for me? |
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Answer:
Well, your income is really not so high as required by most card issuing companies, that is a fact. But the worse thing is the lack of credit history, which does not allow creditors to estimate your risk. So, the firs thing is to start building your own payment history and second is to find one more source of income. There is a problem, however. You cannot qualify for a credit card because of you history and income, and this is a closed disk. Do not get frustrated, though. You can easily start off with a secured credit card offering credit lines of up to $10,000. You will be required to make a beforehand collateral deposit to be approved for the secured card and you may ask "What's the sense in such a card?". The sense is great, actually. Your regular monthly payments, your responsible card use will be reported to the credit bureaus and will build a strong credit history. You can also check cards for nor credit on our site, but be ready to pay hefty fees and great interest rates. |
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