No Credit Cards FAQS

October 18, 2024
A credit card can help you build credit when you have no or limited credit. The best starter credit card depends on your situation. The types of credit cards you can get if you have no credit are usually secured credit cards, student credit cards and credit cards with less strict requirements for applicants' creditworthiness and credit scores. If you're a student, you might want to consider student credit cards designed for individuals of 18 and older who don't yet have a credit history or credit card in their name. They can offer a variety of benefits, including cash back rewards, 0% introductory rates, and a way to build credit. Another option you might want to consider is...
February 11, 2021
You can choose one of the credit cards for limited credit to make your credit profile better. Or you can consider secured credit card. Some card offers have no annual fee and pretty nice rewards programs. Thus, you may save more money than spent on the security deposit.
February 01, 2021
If you do not have any credit history, you should consider credit cards for people with limited or no credit history. We recommend you consider secured credit cards. Don't worry about security deposit as it is refundable. Also, some secured cards have rewards programs that allow you to earn cash back on your purchases that may potentially cover your deposit expenses.
April 07, 2020
We can recommend you start with secured credit cards. These cards require a security deposit paid upfront. A secured credit card is a good way to build your credit history as it reports the account activity to major credit bureaus. You just need not to miss payments and pay off your balance. After that, getting approval for an unsecured card will be much easier. For example, you may consider the Merrick Bank Secured Credit Card. This card can help you build credit, since your account activity will be reported to all three major credit bureaus. The amount of your deposit determines your initial credit line – up to $3,000. You can increase your credit line anytime with additional deposits. Moreover,...
October 04, 2018
Starting credit history from the very beginning is always better than improving it and credit card issuers are not too captious.Look into credit cards for those with limited/no credit history: these cards are created for newbies. The cards have quite high APRs and fees. However it is possible to find a card with 0 intro APRs or without annual fee. Also some cards offer bonus programs: you can earn points or cash back on purchases you make.If your son wants a bonus credit card, Chase Freedom® Student credit card is not the best option as it has no bonus. The only you get is $20 Good Standing Rewards sertificate after each account anniversary for up to 5 years.
March 28, 2018
Sadly, we don't have any information about credit history required to be eligible for AARP credit card. I wouldn't recommend applying for this card if your credit score is in the fair range. There are many other credit cards that are created to help people raise their credit score. If your credit score is not where it needs to be, you can apply for one of these cards for fair credit and use it to bring your credit score back to a place where you want it to be.
January 05, 2018
If you are looking for a credit card as a first step to building your credit profile, remember, there are several key features you want to have in your first credit card. First of all, you want to ensure that the card you are applying for is reporting all of your credit activity to major credit bureaus. This is a very important factor because this is what actually allows you to start building your credit profile. Secondly, you want to ensure that the card you are getting is not going to be a credit card that you will end up paying late. Having late payments could reflect very negatively on your credit score. If I were you, I would start simple. You should find a very general credit card and...
Do you have a million questions jumbled up in your mind regarding credit cards and the credit card application process? Don't worry, you are not alone! Our site has been designed to be simple to use and navigate in order to eliminate any potential hassles and frustrations surrounding the credit card application process. Our experts have already taken it upon themselves to thoroughly analyze and evaluate all of the popular credit card available on the market today and have laid them out in an easy-to-understand format, touting the best features of each.

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