Why do people keep telling me I need to have a credit... - Other Questions

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Credit Card Applications » Questions » User Questions » Other » Why do people keep telling me I need to have a credit history in order to get a credit card? I can’t...

Why do people keep telling me I need to have a credit history in order to get a credit card? I can’t establish creditworthiness until someone issues me a credit card; how am I supposed to get my first card, in that case?

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It can feel like a real Catch-22 when you are trying to get your first credit card. It’s true that some card issuers will turn down your application if you have no credit history. A credit card like the Edward Jones card, which offers travel perks for elite customers, probably isn’t going to be your best credit card choice. Instead, look for a student card or even a store credit card. These types of credit card issuers are usually more willing to work with folks who don’t have any established credit. The limits on these cards tend to be low, and the APRs may be high – especially for a store credit card – so try to pay your balance off in full each month. Before you know it, you’ll have a credit history and a good score, to boot.

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