I don’t have any credit and I’m looking... - Other Questions


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Credit Card Applications » Questions » User Questions » Other » I don’t have any credit and I’m looking to build it. What is the best card for me. I...

I don’t have any credit and I’m looking to build it. What is the best card for me. I don’t want to be in any debt problems whatsoever. Thank you

Answered on

If you are looking to build credit and have a good credit score you are one among many people who have the same aspirations. It is important to understand that there is no single credit card that is the best one. There are different kinds of cards that offer different benefits based on individual needs and requirements. You should not lose track of the important detail, which is to build credit. Therefore, you have to begin someplace and the best way is to look for a card with a low interest rate and low credit limit which will allow you to purchase and also pay up your outstanding balance every month. You can search online and find that there are many interesting benefits and cards to choose from. You can select from a number of different offers and figure out which one will work best for your interests. Cards come with reward programs and also with gift coupons.

If you are looking at gift coupons with cards, then you will find that some of these coupons may be at places you do not really shop at or are not interested in. in that case, it is better to look for a more flexible rewards program. For cards with rewards points you can redeem at multiple outlets, you may however have to pay a higher interest rates. By paying off whatever amount is accumulating on the card every time you are regularly closing the balance that is outstanding and working towards building a good standing with your credit card company and the banks. The more focused you are the better rewards you will earn, however your aim should be a credible score rather than rewards. Many people get carried away by the free offers and rewards and spend way more than they can actually afford.

If you have no credit score and are not able to find ways to sign up for credit cards very easily, you should also look at choices where you can start a checking account and thus convince the banks of your ability to pay your monthly dues. Work with a bank where you have had years of business, they will be more willing to provide a card for you than one that has no working relationship with you. Credit cards are a simple business if you know how to go about it.

Disclaimer: This editorial content is not provided or commissioned by the credit card issuer(s). Opinions expressed here are the author's alone, not those of the credit card issuer(s), and have not been reviewed, approved or otherwise endorsed by the credit card issuer(s). Reasonable efforts are made to present accurate information, however all information is presented without warranty. Consult a card's issuing bank for the terms & conditions.
All rates and fees, and other terms and conditions of the products mentioned in this article/post are actual as of the last update date but are subject to change. See the current products' Terms & Conditions on the issuing banks' websites.
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