Small Business Credit Cards

Apply Credit Card No Credit History

By admin on December 5th, 2010

The best credit cards for people with bad credit can be compared at www.securedcreditcardlist.com.  Responsible credit card use can lead to a lifetime of low-interest rate loan opportunities.  Notwithstanding a limited credit history, a damaged credit record or minimal income, credit card issuers often give consumers the valuable opportunity to receive credit and to start re-building a credit history through the use of a secured credit card or a pre-paid credit card.  This is an opportunity that should not be taken lightly, particularly in light of the widening credit crisis which has made it difficult for many working Americans with good credit records to receive new credit cards, auto loans and mortgages.  

Secured credit cards issued by Bank of America, Capital One and New Millenium are specifically designed for applicants with imperfect credit histories.  Some of the features offered by these credit card issuers include:

•           Credit Lines available from 0 to ,000

•           Set your own credit limit

•           Build or reestablish your credit

•           Buy what you've been dreaming of and pay no interest until May 2009 on purchases

•           Save with a low non-intro variable APR, currently 14.9%

•           Exclusive savings on featured deals

•           Know you are protected with [POST CONTENT] fraud liability if your card is ever lost or stolen

During continuing economic instability, instability in the stock market, illiquidity in the credit markets and the softening real estate market, one thing remains constant â€" consumers with damaged credit records should be given an opportunity to re-build their credit.  Responsibility, however, is essential.  If you can't afford to buy something, you should consider saving until you can.  Credit cards are most beneficial when you can afford to pay your balance in full every month.  In these tough economic times, where credit is getting more difficult to come by, it is important to establish a strong credit profile by establishing credit early and maintaining a consistent payment history.  Credit cards issued by Bank of America, Capital One and New Millenium are tailored for applicants with less than perfect credit. 

Visit www.securedcreditcardlist.com to apply online in a few short minutes.

http://www.articlesbase.com/credit-articles/apply-online-secured-credit-cards-for-consumers-with-imperfect-credit-661368.html

9 Responses to “Apply Credit Card No Credit History”

1. JAE says:

   December 11, 2010 at 7:53 pm

   I believe your best option is a secured credit card from your bank. You put the money to back it up, hence secured. This is a great way for you to learn to manage your credit before going deeper. It is important to learn how to manage your credit because you do not want to end up 10k in debt with no way out. Some other options include but are not limited to: a store card like Walmart or JcPenny or sears. They are not able to be used anywhere else but are good for building a credit history. Be very careful with them, they carry very high APR and start with low limits. You could end up paying 25% interest on that 200 purchase. A personal loan from your bank, you would need collateral, a share secured loan (look it up, too much to get into), or an auto loan. You would need a cosigner for the auto loan, but it would build your credit, and theirs, if you make the payments faithfully.
2. Kokopelli says:

   December 25, 2010 at 7:37 pm

   When you have no history you will not get the best rate or terms no matter what so get that notion out of your head right now. You will need to get a card that most likely will have an annual fee, a higher rate, and maybe a few other fees thrown in for good measure. You have to look at this as the expense of establishing credit. Another thing you can do is get a regular store charge and use that. Once you have a higher rate Visa or Mastercard and the store charge be sure to use them and pay the bills on time. Eventually you will get solicitations in the mail with better offers. It just takes time, but it’s what you have to do.

   I’ve been there and done that. Now everything I have is low rate with no annual fee and my initial interest rates are always 0% for up to a year and a half. It can be done. You will just need to start off at 16% – 18% – 21%, whatever you can get and work it down from there.
3. Sunny says:

   December 30, 2010 at 7:29 pm

   Want to apply for a credit card, but no credit history. Any Idea?
   Hi, i want to apply for a credit card but i have no credit history. I try to apply for the CapitalOne cc, but they dont approved me because i have no credit. Do you know where can i apply for a credit card with NO monthly fee/sign up fee… with my no credit history? Thanks a lot
   Which credit card company allow you to sign up a credit card with someone else (who has a good credt)?? I try Citi and Capitalone before, but they dont accepted those. They can only offer you a additional credit card which mean my friend has a credit card, and he auth his credit card company to send me a additional credit card, but all the credit score goes to him not me……… Thanks

   ——————–

   Try building up your credit by signing up for a credit card with someone else who does have credit, such as your parents. You can get your name listed, but the companies won’t mind giving you a card because your parents still have to pay the bill if you don’t. Once you build up a little credit, then you can get your own card.
   HIGH RATE IS OK, BUT LOOKING FOR NO MEMEBER FEE OR MONTHLY FEE. THANKS
4. I Wanna says:

   January 1, 2011 at 7:33 pm

   what credit card should i apply for?i have no credit history?
   i don’t know what credit card i should apply for,i’m trying to build up a credit history.i tried applying for capital one visa & discover card but they denied me.i’m so tired of applying and i don’t get accepted.what credit cards should i apply for?which one would accept me?
5. wish says:

   January 2, 2011 at 10:33 am

   How to apply for a credit card? No credit history,new immigrant, no work yet?
6. bulbox b says:

   January 2, 2011 at 6:29 pm

   Get a credit card from local bank and pay it in time. You also can use this service to avoid common mistakes while buiding credit and pre-estimate future scores for different scenarios of payments. – buildcredit.ifastnet.com
7. Sergio Toma says:

   January 2, 2011 at 11:24 pm

   what credit card company is easy to apply to if you have no credit history?
   Im a full time college student and i have no credit history but i would like to begin to establish my credit so far i have applied 2 times this year for a credit card and i have been declined, i would like some help on whether if there is a company that is not as harsh with giving credit to people like me or whether i should try asking for credit with my debit card company (i am using chase debit card). please help and thank you.

   btw i applied both times for discover student card.
8. Toni says:

   January 2, 2011 at 11:27 pm

   New Federal Laws passed in February of 2010 are making it impossible for anyone under 21 to get a credit card.
   You must get a parent to co-sign with you.
   Make sure you pay in full each month – if you don’t – you could ruin your parents credit as equally as your own.
   Carrying balances and paying interest can not only destroy your credit – it can devastate your life.
   Employers check, so do landlords and car insurance companies.
   Use it wisely – don’t let it use you.
   .
9. What do i do says:

   January 3, 2011 at 1:46 pm

   Im 18 years old with no credit history wants to apply for credit cards?
   how can i apply for credit card? wen i have no credit history. im currently employeed