Dec
18
How does a college grad get a credit card with no credit history and no employment history? Can someone cosign to get one?
No one told me you needed a credit history to get a card and experience to get a job (only a degree for getting a job)
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11 Responses to “How do you get a credit card with no credit history and never had work?”
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You can easily get one. First, try applying at some department store or regular store (Old Navy, Macy’s, etc.) to build up your credit. Then, you can try to get a regular one.
Well, the best way to approach this problem is get one of those prepaid credit cards. Shop around. One card wanted a $35 deposit, not refundable, before they gave you a credit card.
What’s in your wallet?
You can apply for a secured credit card. Basically, you give the bank a thousand bucks and they give you a card with a 500 dollar limit. But if you miss payment, they will not draw from the deposit, it will reflect on your credit rating as a missed payment. AND when they return the deposit, you get no interest, just your thousand bucks – the bank keeps the interest. Also, they will never change it to an unsecured credit card. You will have to reapply when you have an employment record and a better credit score. Aren’t banks awesome?! *grumble grumble*
read tips and articles on credit scoring and more on this site
YES YOU CAN GET A COSIGNER; DON’T PICK SOME-ONE YOU CARE ABOUT; LOL I WOULDN’T GET ONE; BUT IF YOU MUST TRY A PRE-PAID DEBIT CARD; THAT WAY YOU NEVER OWE;;;;
china doll was wrong..
u cant b approved at old navy
if u d0nt have a credit history work..
i have a credit card under my dad’s name..
bills named to him but my name on the card!
First of all, you made a big boo-boo when you made it all the way through college without have a job. To answer your question, DON’T GET ONE! A credit card is a loan against your future income. If you don’t have an income, you have no reason to get a credit card.
You would have a cosinnger to help ypu get credit you need
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Don’t get a credit card if you don’t have a job. It will become a bitch to pay back, trust me.. I would know. I figured I’d be able to handle a $14.95 minimum payment per month, then I lost my job and now I’m $200 in the hole and Chase calls my house at least 10 times a day. It gets rather annoying. So you don’t want to put yourself in that position.
Hi, I got a few best answers from people asking the same question after I sent them here, I think it’s the student card that did the trick, might be on the first link down
if you get any luck please don’t forget about me lol, hope it helped you!