Having no credit doesnt have to keep consumers from getting a credit card. There are several options for consumers with no credit to get a credit card.
Its becoming increasingly difficult to function in todays society without having credit. However, when you dont have credit it can also be complicated to obtain a credit card. Credit card companies need to check your credit history to determine whether they should extend credit to you. When you do not have a credit history, the credit card companies have no way of knowing if you are a credit risk. Even when you dont have a credit history, there are some ways you can obtain a credit card.
The bank or credit union where you have your savings or checking account is a good place to go to apply for a credit card when you do not have established credit. If you have income and have not bounced any checks, you have an excellent chance at getting a credit card from your bank. Since you do not have credit history, you will most likely start out with a low credit limit. Once you begin to make purchases with your credit card and make timely monthly payments, you can negotiate a credit limit increase if your card issuer does...
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