I just graduated college and have never had a credit... - Limited/Bad/Fair Credit Questions

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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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Since you are just starting your credit history, you should carefully choose your first credit card. As a rule, people with no credit are recommended to apply for a secured credit card. Today, it is possible to find secured cards with low fees, interest rates or with rewards. Secured credit cards with rewards are quite rare nowadays, so if you see such an offer, you may want to get it. Another important thing about secured credit cards is reporting to the major credit bureaus. Most secured cards report to all three major credit bureaus monthly, so you will be able to build your credit history quite fast. Also, cards may give access to your FICO score for free and may allow upgrades to an unsecured card.

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