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I tried applying for a kohl’s and a victoria’s secret credit card today and I was declined because I have no credit score. I allready have a debit card but that wasn’t good enough. It’s a vicious circle. You have to have credit to get a card but you can’t get a card without having credit. Please Help!

2 Thoughts on How do I build my credit so I can get a credit card when I can’t get a credit card until I get a credit score?
  1. Reply
    August 1, 2011 at 9:27 am

    Stop applying. All those applications are building up against you.

    It is no longer as easy to get a credit card as in the past. If you are under 21, you must provide proof of income or have a parent co-sign. You will probably have to start with a secured card — you pay a deposit which is held as collateral against your line of credit. Use the card and pay in full every month. In about a year you should be able to convert the secured card to a regular account.

  2. Reply
    August 1, 2011 at 10:07 am

    Сredit repair workеd fine to fix my credit. They disputed and removed lots of bad items from my credit report. I used this service –

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