Two Easiest Ways To Obtain An Unsecured Credit Card When You Don’t Have Credit History

If you don’t have credit history, obtaining an unsecured credit card will be a difficult undertaking.  There are two ways to do it, though.  If you can’t get either one to work, it might be best to start small with a secured credit card and start building your credit record from it/

1.  Have a co-signee

The good news is you are likely to be approved for a credit card if you get a co-signee, whether a parent or a guardian.  The bad news is, it’s not going to make applying for future credit any easier.  Since your record is backed by a co-signee, it’s just too easy to slot you in as someone who needs supervision before being trusted with credit.  Additionally, if you mess up your credit card use, it will reflect badly not just on your credit record, but on your co-signee as well.

2. Be a student

If you are a college student (and can prove it), credit card issuers are lining up to get you started on the road to credit.  That doesn’t mean you’re guaranteed to be approved, though.

There are two main requirements before being approved for a student credit card.  First, you will usually have to submit proof that you are a student.  That should be easy enough, provided you are really going enrolled.  Secondly, they check how many credit inquiries you have on your record.  If you applied for three cards consecutively, for instance, the number of checks done on your credit history will probably reflect badly and might get you disapproved.