How do you get a credit card if you have no credit?

Spinn: How do you get a credit card if you have no credit?
I get offers all the time for cards but when ive applied I get turned down for “lack of credit history.” Ive been told I could get a pre-paid credit card, where I have to deposit money on to the card to spend later, but im not really interested in that.

Answers and Views:

Answer by leslie
Get interested in that because it is what you need to build your credit.

Answer by stumpedII
credit cards are pure evil. credit cards will make you a slave to your debt/job. While debt might become required in your life.. for a house or a car.. or an emgergency.. it should be avoided. try to save up money for a car/house/emergency .. you benefit 2 fold.. instead of paying outragous interest on a debt you can collect some interest.. Credit cards are like stupid people id cards. Yeah they can provide an advantage in some cases.. but how many people pay off the debt every month.. and h ow many people end up trapped by debt.. paying ever increasing amounts of interest. Seems you think a credit card is a good thing.. I consider them dangerous foolish and a trap. at least to anyone that “needs” them. the rich probably have nothing to fear..

paying your bills on time.. ie phone bill .. electric bill .. paying other loans on time.. car payment etc.. these things build credit history.. and yes a debit card you pay in advance. things that show you have had a financial obligation and have met it.. NEVER be late.. and NEVER miss a payment. have a good income to debt ratio. and you’ll find yourself with more than enough credit to bankrupt yourself.

good luck.. and consider banning credit cards from your life.

Answer by Bob
Start with trying to get credit from somebody who wants to sell you something. Car loans through a dealer and department store cards are easier to get than bank credit cards. Use the store cards for small purchases and pay them off. Six months to a year of this and you can get a bank card.

Answer by DANIEL C
WELL, YOU SHOULD GET A SECURED CREDIT CARD. THE BEST ONE IS THE ORCHARD BANK SECURED CARD. GO TO WWW.ORCHARDBANK.COM AND APPLY. YOU MAY QUALIFY FOR A REGULAR CARD ALSO. I HAVE A CARD WITH THEM AND IT IS AN EXCELLENT PROGRAM. FOR THE SECURED CARD ALL YOU NEED 200$ . OTHERS START AT 300$ AND TAKE FOREVER TO GET.