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Questions Found with the Tag: "No Credit"

I am trying to decide on my first credit card. I am not a student but I want to start establishing some credit. What’s more beneficial: a card with no annual fee for the first year and a low one after that or should I focus on one that offers some rewards but with a higher annual fee?

Answered on

If you do not have credit reports with any credit bureau, you should apply for a secured credit card. You will need to put down a security deposit to get a secured card. A minimum security deposit is usually around $200. Secured cards have an annual fee and may have low APRs. Secured cards are… Continue reading

I have moved from India to the U.S. I have signed up for a checking account, but do not have any credit history. Do I stand a chance of getting a credit card that offers me cash back or has a good rewards option? I’m not sure if the lack of credit history will affect my application. 

Answered on

Before you apply for a credit card, make sure you have a U.S. Social Security number. You will need it to fill out an application form. A credit card for people with no credit history is a good option for you. Continue reading

Do I have to pay anything to get a credit card?

Answered on

General credit cards do not usually have upfront fees. Secured cards require a security deposit. Some shopping cards have application fees. Read the cards terms and conditions to see what fees are charged. Continue reading

FAQs Tags: No Credit, Student
I really want to establish credit. I am an immigrant with no history of credit at all. Which credit card would be good for me?

Answered on

If you have a Social Security number, you can apply for a credit card for people with no or limited credit history. You may need a bank account to apply. Also, some issuers charge application fees, so read the terms before you apply. Continue reading

I’m only 18 but I want to build my credit. Which card should I apply?

Answered on

If you are a student, you can apply for a student credit card. These cards usually have lower rates and fees than traditional cards. They also can have a rewards program that will allow you to earn cash back or bonus points on your purchases. Continue reading

I’m 18. I don’t really need a credit card, but do need to build my credit profile. What are your suggestions?

Answered on

You can apply for a student credit card and build your credit history with minimum credit card activity. And if you pay off the balance every month you will be able to avoid interest charges. Continue reading

If we do not have credit, how does that work when applying for a credit card?

Answered on

Once you submit the application the credit card issuer estimates your creditworthiness. What counts are your income and expenses including your rent payments. If you have a bank account, it will be appreciated. The issuer will also pull your credit report. If you have any credit history in the… Continue reading

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