Credit Card Question & Answer

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Credit Card Applications » Questions » User Questions » Limited/Bad/Fair Credit » I just graduated college and have never had a credit card before. I recently started a ...

I just graduated college and have never had a credit card before. I recently started a job and have quickly realized how essential and potentially beneficial a good credit card can be. I will be traveling often and spending a lot of time in hotels so I want a card with good rewards, but I am unable to obtain one because of my non-existent credit score. I would really appreciate any recommendations you have for me to get started.

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Leo Zhu

If you have credit reports with the major credit bureaus (TransUnion, Equifax, and Experian), you can apply for the . This is a cash back credit card which allows you to earn 1.5% back on all your purchases. There is no foreign transaction fee, so you can travel and use your card abroad without worrying about foreign transaction costs.

If you do not have credit reports with any of the credit bureaus, you should apply for a secured credit card.

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