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How Do I Get My First Credit Card with No Credit History

Updated on May 5, 2014

Why Need a Credit Card?

A credit card is a very useful and easy way of paying for goods and services from merchants scattered all over the world. You can use it online from the comfort of your own home or charge it in a local shop, supermarket, at a travel shop. Literally, millions of shops, organisations, or businesses as a whole from all across the world accept credit cards when it comes to paying for goods and services.

With a credit card you can pay for your tuition fees, pay for your monthly mobile bill, Internet subscription fee, reserve a hotel room, buy a bus, train or tube pass or ticket, shop online with ease, accept payments from all over the world, and do a world of things. It is no wonder, you need and want one of these plastic cards to make life simpler, easier and smarter. But, getting the first credit card can be challenging when you have no credit history. The following tips will help you find one easily.

Do You Need One?


What Is Your Current Profession and Employment Status?

Before you apply for your first credit card with no credit history, you need to have all the important information about your current profession, employment history, and more particulars to hand because you will need them when applying for your first credit card. Are you unemployed or a student who is actively enrolled in a college or university programme? Have you just started working full-time or part-time for an employer? May be you are an international student or a newly hired overseas employee. If you have opened your bank account only recently, your bank might not have taken you as a serious customer yet.

If your credit history is zero or you have no credit history on file with the main credit rating agencies, such as Experian, and Equifax, it is because of one or all of the above reasons. But, do not worry, you will still qualify for and get your first credit card. I was where you are now. So, where to shop for your first credit card?

Where to Shop for Your First Credit Card

It is important to know where to shop for your first credit card because if you do not, and then you apply at credit card companies and they turn down your application, you will become frustrated. Start your campaign with your bank or building society or credit union. If you have been with your bank for a while, then the bank already knows you. But if you are relatively a very new customer, they might not want to take you on as a credit card customer.

Walk in a branch, check online or call to find out what credit card deals they have available that are suitable for your circumstances. I walked in my own bank branch to apply for my first credit card with no credit history. I was told that I had been with them for just little over a couple of months and that they could not find anything for me. They asked me to try 3 months later. I got my first credit card after a couple of months later but from another bank's credit card department. I applied online and they sent me an acceptance letter into their system a few days letter.

You can shop around across the web. Some small banks and credit card companies may be more willing to offer credit cards to people with little or no credit history. If you have already a job, it will be easier for your application being successful. Do not apply here and there. There are many resources online to help you get started your search. Visit the websites of banks and credit card companies and compare different deals tailored or matched up to your credit history. Always read the fine print to make an informed decision.

Types of Credit Cards to Consider

Once you have applied for a credit card with your bank or another bank or credit card company and they tell you that they cannot provide you with an unsecured credit card, but offer a secured credit card to you, you should accept the offer. A secured credit card is issued based on a security deposit that make with the bank or the credit card company. You can build up a good credit history by using this credit card responsibly and then apply for and be approved for an unsecured credit card.

If you are a student, then consider applying for a student credit card. It will be easier to get one and once you have got one start using it smartly and build your credit score over time by making on-time payments. You can also consider applying for store cards offered by departmental stores or supermarkets. But, you need to find out if they are comfortable with cooperating with people with no credit history.

Final Words

A credit card is a necessity in today's fast-paced world. Even though, you do not want to use one, it is sensible to keep one always in case an emergency arises. To be honest, I was a huge fan of credit cards and I had plenty of them, but I got over the mania. I still do keep a couple of them but seldom use them. When shopping online credit cards are safe, while travelling abroad using credit cards are safer and convenient. So, if you are eager to get your first credit card with no credit history, follow the above tips to get one and use it wisely.


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