How can I get a credit card with no credit?
December 17, 2010 9:14 AM Subscribe
I need a credit card. I am 22, and have never had a credit card. I have no credit. What do I do?
posted by anonymous to Work & Money (24 answers total) 8 users marked this as a favorite
I'm 22, and I've never had a credit card. I also don't have any student loans, mortgages, car loans, etc, so I don't have any credit history with the major credit bureaus. I have about $200 left in medical debt, and will pay that off by the end of January.
I've applied for an Amex and for a card with my Big Bank (rhymes with "Shitty"). I've been denied for both. I know that secured cards exist, where I have like a $250 limit and have to pay in advance, but those seem to be usurious and have tons of fees.
I have a decent, full-time job, and make in the low $30k. I am probably going to have to travel abroad for work this year, though, and I will need to have a card to put my flight, hotels, etc, on.
I've heard college student cards are easy to get. I still have a .edu email address. Can I get a student card? How bad is it to lie and say that I am still a student?
If this is a horrible idea, what are my options and how do I get a card?