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I’ve never had a credit card because my mom has always told me that they just cause problems. But now that I’m looking for a house, there is NO way I can get away with having no credit in my history. How can I get my first credit card?
I actually tried applying for a Capital One card a few months ago. They denied my application because I had no credit whatsoever, but how am I supposed to gain credit if I’m not accepted?

8 Thoughts on Where can I apply for my first credit card?
  1. Reply
    June 24, 2013 at 9:33 am

    Try getting a department store credit card or a gas card. They normally will give credit to those that have never had one before. Also check with your local bank. If you have had a checking and savings account with them for a long period of time they are more likely to extend credit to you as you have an established relationship.

  2. Reply
    June 24, 2013 at 9:36 am

    capitol one.

  3. Reply
    June 24, 2013 at 10:12 am

    You can apply at credit unions(DCU, Pentagon Credit union or WAMU etc.).
    Anyway buying a house on credit card is just not posiible

  4. Reply
    June 24, 2013 at 10:48 am

    Store cards are a good place to begin to establish credit, but be responsible about it. Do not spend you entire limit in one shot. Make small purchases once in a while and pay off the balance every month. After doing this for about 6-8 months, you have developed a spending and payment history that can be reveiwed by other lenders. If you are showing a satisfactory pattern you be more sucessful in applying for a VISa or MC.

  5. Reply
    Elizabeth B
    June 24, 2013 at 11:28 am

    You can apply anywhere–the thing about is that you need to watch those magical numbers. If it says “0% APR”, you need to make sure that if you miss ONE payment, or pay one payment late, that the APR doesn’t jump to something horrible like 29.99%; it sounds horrific, but it happens all the time & all it takes is to miss it one time.

  6. Reply
    Harvy S
    June 24, 2013 at 12:08 pm

    Try this place. There is no credit check. You are guaranteed acceptance. It reports to all 3 credit agencies. The limit starts out low, but gets bigger with on time payments. That way you can’t build up too much debt before you buy a house.

  7. Reply
    June 24, 2013 at 12:59 pm

    not sure, if you have time here’s a lot of types of cards and more:
    if it helps please remember me 🙂
    good luck!

  8. Reply
    David D
    June 24, 2013 at 1:38 pm

    There may be something of use here.

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