I need a card, preferably without huge APR or annual fees, and with a decent credit limit, but I can%26#039;t get in anywhere, because I%26#039;ve never had credit. I am paying off school loans, which are not overbearing and have no outstanding bills, but I constantly get rejected. HELP!!!
How can I get a credit card with no credit hisotry, even though i%26#039;m fully employed, lease a car, and rent?
Try getting a card through your local bank. You have loans and a lease so you have some credit history.
How can I get a credit card with no credit hisotry, even though i%26#039;m fully employed, lease a car, and rent?
You shouldn%26#039;t get one at all.
Millions of people are caught up in the debt cycle, and it is because most of us started out believing that we %26quot;need%26quot; credit in order to have any purchasing power. That simply is not true.
The smart way of handling your finances is to save up for the things you want or need; keep your money in an interest bearing account until you have enough to purchase the item, then pay cash. No offense meant, but credit is for dummies. All you are really purchasing is a pile of debt.
Think about it. Almost everyone starts out wanting a credit card %26quot;for emergencies.%26quot; Then they start down the slippery slope thinking that they really %26quot;NEED%26quot; some luxury items (say a new pair of expensive shoes), and that they will make this high dollar purchase %26quot;just this once%26quot; and pay it off right away. Then, another bill comes due and they let it slide for another month. Before you know it, you%26#039;ve paid more in interest for a pair of shoes than you did for the shoes themselves.
Did you know that Sears makes more money every year from the interest they charge on their store credit card than they do on the merchandise that they sell? And they are not the only ones.
Selling debt is huge business; that%26#039;s why these companies spend a fortune trying to make us feel like we are not normal if we don%26#039;t carry a bunch of consumer debt. Well, if normal is spending your way into the poor house, then I%26#039;d rather be weird.
You are in an excellent position now. You don%26#039;t have a card yet, which means you aren%26#039;t caught up in the credit cycle. Do yourself a favor now and stop applying for cards. Save as much as you can, purchase only what you can afford to pay for and you will have a much happier, richer life than your friends...! If you don%26#039;t believe me, try reading %26quot;Financial Peace%26quot; by Dave Ramsey. He explains it all much more eloquently that I could.
Good luck-and remember---Cash is King! Debt is Dumb!
How can I get a credit card with no credit hisotry, even though i%26#039;m fully employed, lease a car, and rent?
If you want my opinion and im sure you do. I wouldnt play the credit card game.
They make all the rules and can change the rules in the middle of the game. and it is a game. Once you start losing at the credit card game its hard to get out of the game.
High interest rates that they can raise anytime they want. Outrageous late fees and over the limit fees.
Pay as you go and live on less than you make. You will win with money.
Remember, The only way to get a high I love debt score is to borrow lots of money and pay back lots of money on time. To keep a high I love debt score you have to keep borrowing money and keep paying back money on time.
Debt free is the way to be!
and borrower is definitely slave to the lender.
How can I get a credit card with no credit hisotry, even though i%26#039;m fully employed, lease a car, and rent?
One ofthe best place to go and get a credit card is Orchard Bank for those who have no credit history! You won%26#039;t get a card with a large credit line and there most likely will be a yearly fee attached, but you are going to have to start somewhere! Make your payments on time and don%26#039;t keep your card maxxed out and you will get other lines of credit!
Go to my website and read it too because I went through an ID theft and bankruptcy, so recovering and rebuilding your credit is something I know about! I got my score up from 486 to 730 in a little over a year, so it can be done.
Learn how to use credit wisely and spend only what you can afford and you should be fine. You would benefit from my %26quot;how credit scoring works%26quot; section too!
Tips, it wouldnt hurt to get a free copy of your credit report too and i%26#039;ll post a link here whwere you can get one for free!
I also have this link in my website!
Getting credit is does NOT mean your spending power increases! Remember, you are borrowing money and paying interest to do so. A good credit score is not an I Love Debt score. In all actuality, the opposite happens. If you are loaded down with a lot of debt and more than 35% of your credit is used up, your score drops!
How can I get a credit card with no credit hisotry, even though i%26#039;m fully employed, lease a car, and rent?
You%26#039;ll have to get a co-signer to apply for a credit card because you don%26#039;t have a credit history....once you%26#039;ve established a payment history for more than a year then you can take the co-signer off. The co-signer has to have good credit ...the co-signer is just in case you can%26#039;t pay they will have to pay for you. Also your co-signer will be the main card holder and you would be the secondary card holder but your name is still on the account.
Hope this helped.
How can I get a credit card with no credit hisotry, even though i%26#039;m fully employed, lease a car, and rent?
Have you tried applying for a student credit card? http://www.bestcreditcardratings.com
How can I get a credit card with no credit hisotry, even though i%26#039;m fully employed, lease a car, and rent?
check out www.myfirstcreditcard.com.au to see what the providers are after they are some non bank lenders on the panel good luck
How can I get a credit card with no credit hisotry, even though i%26#039;m fully employed, lease a car, and rent?
Check out www.fastcreditcardapprovals.com here you will be able to compare all major credit cards side by side on rates and rewards, GOOD, BAD OR NO CREDIT they have the right card for you.
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