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Credit Card Applications » Questions » User Questions » Limited/Bad/Fair Credit » I have no credit and looking to build credit. What can you offer?

I have no credit and looking to build credit. What can you offer?

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Leo Zhu

You can apply for a secured credit card like . Since this is a secured credit card you will need to pay $250 as a collateral deposit. The issuer will open you a 2-year certificate of deposit and you will be able to earn money on your CD. The APR will be as low as 9.9% and the annual fee will be $35. Your credit activity will be reported to the major credit bureaus, so you will be able to build your credit history if make all minimum payments on time.
Another option for you is to apply for a personal loan. They have different terms, but usually offer higher lines of credit than credit cards.

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