What credit card could i get if i have no credit at all?

I want to get a credit card to buy a computer but i keep getting turned down because i have no credit.|||the sites below are intended for poor credit, ccjs and no credit at all all of them will be able to help but dont take my advice try them for yourself|||First, DO NOT follow the other posters' advice and get a secured card. They do not report to credit agencies and so do not build your credit. The only difference between them and your debit card is they cost you money. What they do is prove to whatever bank you get the secured card from that you can keep the card paid off so they might give you a real credit card, but unless you have bad credit, you do not need to do this. No credit is not bad credit, you can get a real card right out of the gate.





The most important things to look for are NO ANNUAL FEE and a grace period to pay off purchases before you are charged interest (normally a month). Your interest rate will probably be very high for your first card (in the 25% range) so try to keep it paid off. Your credit limit will probably be very low (maybe $500), but after having the card for a few months you can call and ask them to raise it. Your first card probably won't have any perks like cash back or anything, but cash back is probably the best perk you can get.





To build your credit, stop using your debit card and start using your credit card. This is also more secure because credit cards protect you better from fraud than debit cards. You can then pay off the card from your bank account online every month so you won't be charged interest (if your card has a grace period). Keep this first card forever. Sure, get a new card later with better perks or whatever, but old credit lines look very good on your credit report. Instead of cutting it up and never using it when you get a better card, call them and ask them to lower your interest rate and increase your limit. You are not forever stuck with the rate you start with.|||New regulations passed in February of 2010 making it nearly impossible for anyone under 21 to get a credit card.

Could that be the problem?

Also, you must have steady employment with strong ability to pay back.



One note about credit cards:

You could cause damage to your rating by carrying a balance and not paying in full each month. This is why:

Each time you use more than 30% of your available credit limit you are reducing the rating.

Ex: $1,000 limit, never touch more than $300 in usage.

Your first card will likely have less than a $1,000 limit.

That's why experts will tell you to pay in full each month.

You never pay interest and get scores that will amaze any future creditor.



So you see how buying something too expensive can cause damage?

Employers check, so do landlords, and car insurance companies (you'll pay more).

If you get a card, use it for small things like food or gas and pay in full each month.

Save for your laptop, and then buy it.

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Secured cards: You have to have the cash in the account to purchase the item.

If you don't replace the money in full each month this card is not likely to ever turn into a credit card. Only 10% are turning into credit cards because people can't seem to pay in full each month for what they spend...|||Secured card with parent co-signer who has good credit.|||Orchard Bank, fool.|||Get a debit card tied to your checking account.|||You need to start out with a secured card.|||get a secured credit card......they have low limits but it is a way to begin to build credit...|||Try Orchard Bank.|||Orchard bank.com. it help me a lot


.fill out application for credit card