all 4 comments

[–]jet199 1 insightful - 2 fun1 insightful - 1 fun2 insightful - 2 fun -  (0 children)

I never had a problem getting a card.

If you do they do credit building cards. If you just spend a couple of hundred on them every month and pay it in full on time you'll have a credit history in no time.

[–]chickenz 1 insightful - 1 fun1 insightful - 0 fun2 insightful - 1 fun -  (0 children)

Cash beats credit, hands down.

The real question is why do you think that you need a credit card?

If you don't know the answer to that question, you probably don't really need one.

BTW, credit history is definitely important, but even as important is being able to show that you have the ability to repay!

If you applied for a credit card, and you told them on the app that you take home $250 per month at McDonald's, they most likely threw your application in the toilet.

BTW, also, by posting this post you just admitted publicly a couple of things..

1) you are broke 2) you are entirely financially illiterate.

[–][deleted] 1 insightful - 1 fun1 insightful - 0 fun2 insightful - 1 fun -  (0 children)

1) Get a mobile phone on a repayment plan, this is a form of credit and will appear on your credit history.

2) Try buy now pay later options for small purchases, some shops even do interest free and you can pay back early in a lump sum.

3) There are some high interest, low value credit cards available for those who are high risk due to having no credit history, the rates are usually about 39% but they build your reputation and banks will trust you more when you go to apply for a regular card.

4) Arrange a small overdraft.

I messed up a payment when I was a kid and it stayed on my records for 6 years, it took a while to rebuild my score and had to go through this process painfully, but it's worth it in the end.

[–]SoCo 1 insightful - 1 fun1 insightful - 0 fun2 insightful - 1 fun -  (0 children)

Usually, they will give you one with a very small credit line, if you don't have any history. This is how you get started establishing a credit history for the three credit score companies to sell your information, charge you to read your own score, refuse to make corrections half the time, and not compensate you for data breaches.