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Answering your questions is our job and we love it! If you have never had a credit card and have no credit history there are still some cards you can apply for. At present several famous and reliable banks, such as Columbus, Dakota, First PREMIER, Millennium and Orchard, offer deals for no credit. On our site turn to the page devoted to cards for no credit. Read all the details about each card, compare the present offers and choose one that suits your requirements. Another way to build up your history is to apply for one of the so-called secured credit cards. With this card you will have to deposit some amount of money to guarantee your ability to pay. On our site you can find several variants of these cards too. After you've chosen the card you like just click "apply" and submit an application online. The bank will consider it and send you the card by post. All the best, Manager of Immediate Credit Card Care Service If you have no credit history and want to establish one there are some cards you can apply for. Nowadays many banks, such as Columbus, Dakota, First PREMIER, Millennium and Orchard, offer deals for no credit. On our site turn to the page devoted to cards for no credit. Read all the details about each card, compare the present offers and choose one that suits your requirements. Another way to build up your credit is to apply for one of the so-called secured credit cards. With this card you will have to deposit some amount of money to guarantee your ability to pay. On our site you can find several variants of these cards too. After you've chosen the card you like just click "apply" and submit an application online. The bank will consider it and send you the card by post. All the best, Manager of Immediate Credit Card Care Service If you have no credit history we advise you to start with deals by First PREMIER Bank for bad or no credit. Your credit card will probably have a low credit limit of about $300. If you regularly make purchases and pay all your debts on time your credit limit will be later raised and your score will be improving. We recommend you to have a look at credit deals for bad/no credit history by First PREMIER Bank. Don't worry that the rates and terms will be not perfect. This is just a step to creating a good credit score. If you possess no credit, you can look through our bad/no credit card offers section and choose the best credit card to begin your credit with. Try with a secured credit card which can be the safest credit card for no credit. In this case, you should open a bank account to confirm your financial stability, and only after it you can make online application. With good payment you can get an unsecured credit card which can also be helpful but you must have enough income. The issuers don't demand a deposit to the bank but charge higher rates and fees. One more decision is with the help of a co-signer, a friend or a relative, who applies for a good credit card, and when approved, makes you a co-borrower. In case you don't pay off your balance, a co-signer will have to pay it for you. If you want to build credit, you seem to have no credit history. In this case you can afford bad/no credit cards , issued by Orchard bank and First PREMIER bank. Among these cards for people with bad/no credit history you can select the most applicable secured credit card, for instance, Orchard bank secured card or New Millennium card. Also, if you`d prefer an unsecured credit card to build your credit, you should regard unsecured First PREMIER card applications or Orchard bank card deals. Unfortunately you can scarcely get a credit card without any fees at all. Building your credit you should pay account setup fee, program fee, annual fee and some others if applicable. Still the fees are fairly tolerable with respect to credit cards function to build strong credit and reinforce your financial position. With your credit score improved you can count on getting no annual fee cards, no fee balance transfer cards and other credit cards with more profitable terms. If you want to establish your credit history the best thing to do will be to apply for a no credit card. These cards usually have worse terms and small credit limit, but they give you a good chance to prove the bank thet you are a responsible card holder. If you pay off your balance on time and make purchases regularly, your credit score will be increasing and they will offer you a better card. We recommend you to start with a Centennial Gold MasterCard/Visa by First PREMIER Bank. If your application for credit is denied, it means that you can't afford this credit. But don't worry! You should turn to a credit bureau and ask for your credit report. You can also look through our no credit card applications and choose the best card to start with. If you have been turned down for credit cards before, you can also turn to guaranteed approval credit cards which can provide you with an instant approval. They are also a good step towards good credit history. If your car, cell phone, etc. are purchased in your parents' name, it is their history that is affected by paying off these loans. If you have never taken a loan in your name and have never been an authorized user of other person's card, you have no credit history. There are some cards you can apply for. At present several famous and reliable banks, such as Columbus, Dakota, First PREMIER, Millennium and Orchard, offer deals for no credit. On our site turn to the page devoted to cards for no credit. Read all the details about each card, compare the present offers and choose one that suits your requirements. Another way to build up your history is to apply for one of the so-called secured credit cards. With this card you will have to deposit some amount of money to guarantee your ability to pay. On our site you can find several variants of these cards too. After you've chosen the card you like just click "apply" and submit an application online. Finally, you may draw a cosigner that is a person with good history who will be responsible if you don't pay off your bills on time. All the best, Manager of Immediate Credit Card Care Service If your credit is bad and you are eager to improve it, you should follow some necessary recommendations. First of all request you credit report and check it for any mistakes. It is recommended that you do it regularly. Learn your current credit score. It will be better if you request the score from each of three credit reporting agencies, such as Equifax, Experian and TransUnion. Missing your payments will negatively affect your credit history, so do your best to make all the payments exactly on time. If you have a bad credit history, you should minimize the amount of inquiries on your credit report and open new accounts only if you need them, Besides, try to keep your balance as low as possible. Don't forget to use the old cards because in other case the data will not be updated. All these recommendations will allow you to establish a positive credit history and in time you'll be able to apply for the good credit offers. If your credit is fair to poor you still have a chance of consolidating your credit cards by means of balance transfer credit card for poor credit history. The first option you can use is to apply for one of secured credit card, namely, New Millennium Platinum Visa or Platinum MasterCard with balance transfer option. As far as this card is secured, your credit limit will be determined by your bank account deposit, which should be 100-200% of credit line required depending on the bank. Nowadays you can also try to apply for Orchard bank CreditVue MasterCard with balance transfers available, improve your credit in due course and apply for a credit card with required credit limit.