Credit Cards For People With No Credit » Credit Cards For People With No Credit History http://credit-cards-for-people-with-no-credit.com Credit Cards For People With No Credit Thu, 09 Sep 2010 07:15:26 +0000 en hourly 1 http://wordpress.org/?v=3.0.1 easiest credit cards to get 18 years old? http://credit-cards-for-people-with-no-credit.com/5225/easiest-credit-cards-to-get-18-years-old/ http://credit-cards-for-people-with-no-credit.com/5225/easiest-credit-cards-to-get-18-years-old/#comments Tue, 31 Aug 2010 09:36:40 +0000 Author
  • Is having too many credit cards bad?
  • 21 years old to get a credit card?
  • What stores give credit cards to people with no credit?
    • ]]>

    my daughter wants to establish credit, she is 18-years old, what is easiest credit card to get? department stores are supposed to be easier, any input/advice on which ones in today's tough times are giving credit to people with no credit history?


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    1. Is having too many credit cards bad?
    2. 21 years old to get a credit card?
    3. What stores give credit cards to people with no credit?

    ]]>     http://credit-cards-for-people-with-no-credit.com/5225/easiest-credit-cards-to-get-18-years-old/feed/ 3     Do I need a credit history to be approved for the Capital One Standard Platinum credit card? http://credit-cards-for-people-with-no-credit.com/957/do-i-need-a-credit-history-to-be-approved-for-the-capital-one-standard-platinum-credit-card/ http://credit-cards-for-people-with-no-credit.com/957/do-i-need-a-credit-history-to-be-approved-for-the-capital-one-standard-platinum-credit-card/#comments Tue, 18 May 2010 08:53:26 +0000 Author
  • Can I apply for chase travel reward credit card with bad credit?
  • Chase Online Credit Card Application response?
  • What are some ways to build credit with no credit history?
    • ]]>

    I'm searching for credit cards for people with no credit history (which probably means no credit score either), as I am trying to build my credit. They keep coming up with the CapitalOne Standard Platinum card. I know that a secured card is great for building a credit history if I use it wisely, but I just want to explore my options before I get it. So, does the CapitalOne Standard Platinum approve for people with NO credit history (no credit score)? Thanks!


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    ]]>     http://credit-cards-for-people-with-no-credit.com/957/do-i-need-a-credit-history-to-be-approved-for-the-capital-one-standard-platinum-credit-card/feed/ 3     Good credit cards for people with nio credit? http://credit-cards-for-people-with-no-credit.com/92/good-credit-cards-for-people-with-nio-credit/ http://credit-cards-for-people-with-no-credit.com/92/good-credit-cards-for-people-with-nio-credit/#comments Sun, 28 Mar 2010 14:50:46 +0000 Author
  • Know Any Credit Card companies for new credit?
  • What are the best credit cards for people rebuilding their credit?
  • what did people do before their life was based on their FICO score?
    • ]]>     What are some good credit cards for people with no credit history
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    ]]>     http://credit-cards-for-people-with-no-credit.com/92/good-credit-cards-for-people-with-nio-credit/feed/ 7     Credit Cards for People with No Credit History http://credit-cards-for-people-with-no-credit.com/9/credit-cards-for-people-with-no-credit-history/ http://credit-cards-for-people-with-no-credit.com/9/credit-cards-for-people-with-no-credit-history/#comments Fri, 16 Oct 2009 17:30:30 +0000 Admin http://credit-cards-for-people-with-no-credit.com/?p=9
  • best credit cards unsecured for people with no credit history?
  • What's a good credit union in Colorado for people who have no credit history?
  • What student credit cards will approve no credit?
    • ]]>     If you have no credit or have a relative new credit history, chances are that you will be turned down for most credit card applications. You have to apply for credit cards that are specifically targeted at those with no credit history. This article highlight the limited choices that are available to those with no credit history or very limited credit history.

    However, aside from credit scores, some issuers also place heavier emphasis on your income. So you may be able to get a regular credit card even if your credit history is limited. If you get turned downed for regular credit cards, then essentially, your choices boil down to getting either a secured credit card, or if you are a college, then a student credit card.

    What is a Secured Credit Card?

    A secured credit card, unlike an unsecured credit card, requires you to put a deposit with the credit card issuer. You normally have to put in a minimum of $300 and a maximum of $5,000 to $10,000. The amount of money you deposit will become your credit line and act as a collateral. Many secured credit card reports to all three major credit bureaus and even report them as an unsecured credit. This way, you can build a credit history and within a year to 18 months, you will probably receive unsecured credit card offers which you can apply for. (or you can come back to this site!). Secured credit cards normally charge an annual fee which ranges between $20 and $50.

    If you are a student

    The best time to get a credit card is when you are a student because almost all student credit cards have no annual fee. This is perhaps the only time when you have a wide variety of no annual fee credit cards to choose from even if you have no credit. Use your card responsibly and you will have a much easier time after graduation when you are looking for an apartment or an auto loan. Check our college student credit cards section for a suitable card for yourself.

    Student Credit Card Recommendations

    Below are a couple of student credit cards we recommend.

    The Citi? mtvUTM Platinum Select? Visa? Card for College Students. The card has no annual fee. You can earn five points for every dollar you spend at (1) bookstores, (2) record stores, (3) restaurants (including fast food), (4) motion picture theaters and (5) video entertainment rental stores and earn one point for every dollar spent on other purchases. You also earn 25 points each time you pay your minimum bills on-time and if you do not exceed your credit limit. You can also earn point twice a year for getting good GPA scores (4,000 points for a perfect score). You can also redeem points to reduce your student loan.

    Citi student cards require no income or co-signers.

    Another great student card is the Discover® Student Card , which allows you engrave your initials on the card in a variety of cool colors. In fact, I would say that Discover's Student Cards are the best cash back student credit cards available in the market today. With this card, you can earn:

  • 5% rebates on Airlines, Hotels, Car Rentals and Cruises between Jan and Mar
  • 5% rebates on Home Improvement Stores, Department Stores and Clothing Stores between April and June
  • 5% rebates on Gas Stations, Hotels, Theme Parks, Zoos and Bookstores between July and September
  • 5% rebates on Grocery Stores, Restaurants, Movie Theaters, Movie Rentals between October and November
  • 5% and 20% rebates (I look at them more like discounts) at over 100 online retailers like GAP.com, OldNavy.com, Dell.com, BestBuy.com!
  • You can also Double the value of rebates that you have earned if you redeem them for select gift cards (over 100 partners). For example, if you have accumulated $40 in rebates, you could get a $80 celebrity cruise, carnival cruise or Universal Orlando Resorts gift card or a $100 Hyatt Hotel and Resorts Gift CardNo other credit card allows you to earn 5% rebates for so many items. Students will find this such a useful card.Best Secured Credit Card for People with No CreditIf you are not a student and you do not get approved for the above cards, then getting a secured credit card is the best move. Below is what we recommend.

    The Public Savings Bank Secured Black Card is one of the best card to get if you have no credit or poor credit. Because it is a secured credit card, there is no credit checks or income checks performed and you are almost certain to get the card. This is one of the rare secured credit card with no annual fee (though you have to pay a one-time $79 application fee). Unlike most secured credit cards, this one allows you to deposit up to $10,000 in your account and it is all FDIC insured.

    Regardless of the type of card, you get, make sure you use the card responsibly, pay your bills on time. You will build up a credit history over the course of a year or so and then be offered better cards.


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