This is my first time applying for a credit card. I... - Limited/Bad/Fair Credit Questions


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Credit Card Applications » Questions » User Questions » Limited/Bad/Fair Credit » This is my first time applying for a credit card. I just started my full-time job as a...

This is my first time applying for a credit card. I just started my full-time job as a caregiver. I need to know if I am eligible to get a credit card, and if yes, when? It’s only been 2 weeks since I started my job.

Answered on | Updated on December 9th, 2012
The content is accurate at the time of publication and is subject to change.

A stable job history and income are the things banks will check first if you have no credit history. To lessen the risk of denial, you can apply for a secured credit card. These cards require collateral. This means that you will have to deposit a certain amount, about $200, to get this card. Your credit line will be equal to your deposit, and if you want it higher, just pay more. In general secured credit cards can be used the same as unsecured credit cards.

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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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