There are many cards designed for people with limited or no credit history. If you are in school, a student card is probably the best choice for you. There are also cards specifically for no credit or limited credit. These cards can have lower credit limits and higher APRs because the issuer is taking more risk. Once you establish a credit history, more cards will be available to you. Continue reading
Yes, but whether or not you get one will depend on your credit score, your available resources, and your circumstances. You may need a co-signer, depending on your situation. If you do get one, make sure you can pay off any purchases you make and try not to use it as an emergency fund. Continue reading
No. Prepaid cards do not report to credit bureaus and have no effect on credit history or credit scores. That’s because they aren’t really credit cards. Money is loaded onto the card initially and the limit is equal to the deposit made on the card so no credit is actually extended. Continue reading
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March 16, 2015
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