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Research: How to get a credit card without any kind of credit history - Credit-Land.com

There are many people out there that don't have any kind of credit history to offer. For such individuals getting a credit card might be quite challenging. Hence, there is a need to get credit card if you are one of those people with no credit history. Today, financial institutions are opening their doors for such cases and making it possible to own credit cards even without any kind of history to offer. It is not really that tough to get a credit card, with people going in for this on a fairly regular basis, with or without credit history.

Applying for the right kind of cards

One of the solutions that you can probably perceive is to apply for the right kind of cards. If you are afraid of being rejected by going in for the wrong kind of cards, then you should take action and apply for the right kind of cards that are made for individuals of your category. Many foreign nationals and international students go in for these cards because they have a better chance of getting approve than with other kinds of cards.

Opting for a higher rate of interest

Another solution would probably be to go in for cards that are offered at higher rates of interest. In this manner, you can be surer of being approved than going in for cards which have very low rate of interest that is generally harder to obtain. Many banks are quite desperate to ensure that they have a decent number of customers banking with them, which is why they are willing to take on customers at higher rates of interest that reject them outright. You might just be one of the lucky ones that might fall under this category and can therefore take advantage of it.

Hence, if you are one of those people with no credit history, you don't have reason to despair. It is quite easy to get a credit card suited to your name and not have to worry about whether or not you will be approved for these cards. In a number of ways, having credit cards is highly recommended and you can be sure of getting a decent credit history with the right kind of credit card and shifting to a credit card with better terms and conditions. In the long run, this is surely something that you would want to have on your side.

Disclaimer: This editorial content is not provided or commissioned by the banks or credit card issuer(s). Opinions expressed here are the author's alone, not those of the banks or credit card issuer(s), and have not been reviewed, approved or otherwise endorsed by the banks or credit card issuer(s). Reasonable efforts are made to present accurate info, however all info is presented without warranty. Consult with the issuing bank of the card or account for terms & conditions.
All rates and fees, and other terms and conditions of the products mentioned in this article/post are accurate as of the last update date but are subject to change. See the current products' Terms & Conditions on the issuing banks' websites.