Can I get a credit card with no history?

If you don’t have a credit history, your card may come with higher interest rates, for instance. So you may get approved for a card but have to pay more over time for the credit you use. You might also have a lower credit limit, restricting the amount you can spend each month.

Can you pass a credit check with no credit history?

Because you have no credit to base a lending decision on, you may not be able to qualify for traditional credit on your own at first. Some options for building your credit history include: Ask someone to cosign.

How do you establish credit?

Here are five ways that may help develop good financial habits and begin to build credit:

1. Establish banking relationships – open checking and savings accounts.
2. Be consistent.
3. Apply for a department store card or a gas card.
4. Apply for a secured credit card.
5. Consider a co-signer or co-applicant.

How do I start getting credit?

How to Build Credit

1. Get a secured card.
2. Get a credit-builder product or a secured loan.
3. Use a co-signer.
4. Become an authorized user.
5. Get credit for the bills you pay.
6. Practice good credit habits.
7. Check your credit scores and reports.

How can I get a credit card under 18 without parental consent?

Credit Card Rules Only adults — people 18 and older in most states — can sign contracts. To get a card, an adult has to sign the contract on the teen’s behalf. Some credit card companies also require the adult to have an account with the company.

How can I get a credit card at 16 without parents?

You can’t get your own credit card if you’re under the age of 18. But you can become an authorized user (more on that below). Even after you turn 18, the Credit CARD Act of 2009 states you’ll need to have either proof of independent income or a cosigner over the age of 21.