If you have no credit history, getting approved for a credit card can be difficult. Here’s how to get started.
1. Apply for a Secured Credit Card
A secured credit card requires a refundable deposit, making it easier to get approved.
2. Become an Authorized User
Ask a family member with good credit to add you as an authorized user on their account.
3. Look for Student or Starter Credit Cards
Many banks offer credit cards designed for students or first-time users with limited credit history.
4. Consider a Credit-Builder Loan
These loans help establish credit and can improve your chances of qualifying for a regular credit card.
5. Use Your Card Responsibly
Make small purchases and pay off the balance in full each month to build a positive credit history.
Final Thoughts
Building credit from scratch takes time, but with the right strategy, you can establish a strong credit profile and qualify for better financial products in the future.