I have a debit account with direct deposit of my ss benefits. I’m trying to build credit but I don’t want a prepaid or secured account.

Answered on January 22, 2013
Updated on January 22, 2013
The content is accurate at the time of publication and is subject to change.
James Williams James Williams

You can ask the bank you have account with for a credit card. Usually it helps to get a credit card, as bank already knows your creditworthiness. See what they offer and you can compare it with best credit cards we have. Choose the card according to your credit history this will help you lessen the risk of being unapproved.

All rates and fees, and other terms and conditions of the products mentioned in this article/post are actual as of the last update date but are subject to change. See the current products' Terms & Conditions on the issuing banks' websites.

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BROWSE MORE QUESTIONS ABOUT No Credit Cards:

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.
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.
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 Visa® from Merrick Bank. 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...

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