So, you've decided you want a credit card, but your credit may not be great or you may not have any credit history at all. People often wonder how they can build a credit history if they have no credit or credit that isn't so great. Surprisingly, consumers in these two situations can start building a good credit history without a traditional credit card.
Someone with no credit or less-than-perfect credit would find it easy to qualify for and get a secured credit card. All you have to do to get a secured credit card is fill out the application and pay the security deposit. After you've done these two things, you'll be well on your way to a good credit history. Just remember that you need to apply for a secured credit card that will report all of your credit activities to all three of the major credit reporting agencies.
Many department stores, like Sears and Macy's, will give credit cards to people who may not have any credit. So, if you haven't had much luck with traditional credit cards, try applying for a department store credit card to start building a good credit history.
People with bad credit or no credit history can get a gas station credit card at a lot of places. If you are in either of these situations, you can start building a credit history by applying for a card at your local gas station.
These are just a few things you can do to start building a credit history, even if you don't have a good one yet (or non existent). With some creative thinking and research, you should be able to get the credit and credit cards you deserve.
