WalletHub, Financial Company
@WalletHub
It is not hard to get your first credit card if you choose the right type of credit card to apply for and do so at the right time. Most first-time credit card users have limited credit history, so the best type of credit card to apply for is a secured card, a student card, or another credit card for limited credit. As long as you are at least 18 years old and have enough independent income to afford monthly bill payments, you should not have a hard time getting approved.
When you’re just starting out with credit cards, all the options might seem intimidating. But between secured cards, student cards, and other credit cards for first-timers, there’s an option that is right for you. If you remember to pay your bills on time, keep your utilization low, and spend no more than you can afford to pay off each month, having a credit card will be a positive experience.
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Karen Moroz, WalletHub Mortgage Analyst
@nycKaren
It’s definitely not hard to get your first credit card if you start as an authorized user on someone else’s account. They don’t check your credit to get one, but it will build your credit over time, even if you don’t ever use the card. A lot of people start out this way, because it will make getting your own first credit card account easier later on.
People also ask
How do I get a credit card for the first time?
To get a credit card for the first time, you must be at least 18 years old and have enough income to afford monthly credit card payments, in addition to your other expenses. The minimum payments on a starter credit card usually are around $15 per month.
The two basic steps involved in getting a credit card for the first time are to: 1) compare credit card offers designed specifically for people with limited or no...
read full answer by Adam McCann, Financial WriterWhat's the easiest credit card to get with no credit?
The opensky® Plus Secured Visa® Credit Card is the easiest credit card to get with no credit history. There's no credit check, so approval is almost guaranteed if you're at least 18 years old and can afford the $300+ refundable security deposit, along with the monthly bill payments.
Easiest Credit Cards to Get with No Credit
One of the easiest unsecured credit cards to get with no credit or limited credit history is the Petal® 2 Visa® Credit Card. It has a $0 annual fee, doesn't require a security deposit, and rewards you with 1 - 1.5% cash back on purchases. Keep in mind that easy approval does not mean guaranteed approval.
At the end of the day,...
read full answer by Maria Adams, Credit Cards ModeratorWhen can you get your first credit card?
You can get your first credit card at any time by becoming an authorized user on someone else’s account. If you want your own credit card account, you will have to be at least 18 and able to prove you have enough income to afford a credit card.
How & When to Get Your First Credit Card
Become an authorized user.
You can become an authorized user on someone else’s account any time. This...
read full answer by WalletHub, Financial CompanyDid we answer your question?
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