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?

Answered on | Updated on October 1st, 2016
The content is accurate at the time of publication and is subject to change.

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.

Disclaimer: This editorial content is not provided or commissioned by the credit card issuer(s). Opinions expressed here are the author's alone, not those of the credit card issuer(s), and have not been reviewed, approved or otherwise endorsed by the credit card issuer(s). Reasonable efforts are made to present accurate information, however all information is presented without warranty. Consult a card's issuing bank for the terms & conditions.
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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