Credit Cards For 18 Year-Olds With No Credit History latest 2023

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Applying for Credit Cards With No Credit History

If you don’t currently have a credit card, apply for one. Keep the general guidelines below in mind when completing your credit application. Don’t lie, but at the same time you want to present yourself in the best possible light. If you have no credit, your best bet for getting a credit card is to apply at places like department stores or gas companies.

These companies usually open your account with a very low line of credit. If you start with a credit card, charge for items, and pay the bill on time, other companies will issue you a card. When using department store and gas cards, try not to carry over balances from month to month. The interest rate on these cards can be very high.

Once you’re ready, apply for a regular credit card from a bank, such as Visa, Master Card, or Discover. Competition for customers is fierce, and you may be able to find a card with relatively low initial rates. However, depending on the severity of your credit history, you may only qualify for a low line of credit or a high interest rate card. If you use the card and make your payments, after about a year you can request an increase in your line of credit or a reduction in the interest rate. If you’re of a certain age, you probably remember the carbon paper that was between the copy of your credit card receipt you kept and the copy kept by the company where you made the purchase. In the days before credit card terminals, thieves could rummage through trash cans and dumpsters to gather carbon paper slips and capture credit card information so they could buy all kinds of things on your account.

Carbon paper has pretty much gone the way of the dinosaurs, but credit card account numbers remain vulnerable. Receipts that include full account numbers and expiration dates are a gold mine for identity thieves. The FACT Act establishes a national standard for the truncation of card information.

FACT law states that receipts for credit and debit card transactions cannot include the card’s expiration date or more than the last five digits of the card number. However, full implementation of this rule will take some time. If you receive a receipt with your full account number on it, bring it to the company’s attention and insist that they receive the program – now!

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