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Best Credit Card For Someone with no Credit File

Old 09-14-06, 01:31 AM
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Best Credit Card For Someone with no Credit File

Was looking at the other Credit Card thread and realized I prob couldn't get any of these bc I have no credit file yet (student). So does anyone have a suggestion for the best card you can get with no history?
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Old 09-14-06, 04:39 AM
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Originally Posted by SterlingBen
Was looking at the other Credit Card thread and realized I prob couldn't get any of these bc I have no credit file yet (student). So does anyone have a suggestion for the best card you can get with no history?
who wouldn't give you a credit card? companies love students; mastercard and visa both have, on their site, options for student cards..try there first.

my first card was a discover card, which had a nice cash back bonus program.
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Old 09-14-06, 05:16 PM
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MBNA gives out to pretty much anyone... they have a 23% interest rate i think, that's why


best bet is to get one of those, make some payments every 2 weeks continusouly for 3 months, and then apply for a better credit card
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Old 09-14-06, 05:54 PM
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I saw online a few weeks ago for a chase mastercard Student card that was 0% apr on purchases for 12 months.
thats a good deal
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Old 09-14-06, 05:56 PM
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here is the link http://www.chase.com/ccp/index.jsp?p...ourcecode=6YK3
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Old 09-14-06, 11:09 PM
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i have no complaints with capital one.
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Old 09-15-06, 08:25 PM
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I was thinking maybe a sonystlye card with their 100$ cash back after first purchase. but I might not qualify so keep sending recos
discover looks promising but not quite as flexible or as univeral as visa (might just be a misconception though)
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Old 09-23-06, 03:06 AM
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I have many complaints with capital one. I'd go with Bank of America if you can, they are pretty much the only credit card I can recommend.
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Old 09-23-06, 03:31 AM
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you should just get a card, and get your credit established. keep a balance on the card and keep making payments, on time of course, for at least six months. after that, apply elsewhere for a better card.
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Old 09-24-06, 08:17 AM
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Originally Posted by Me007gold
i have no complaints with capital one.
They *refuse* to stop sending me offers. I've called and asked repeatedly. I will not do business with this company. On top of that, the offers are incredibly crappy, even though my credit is excellent. If I don't get at least three offers from Cap one three times a week, it's a slow week.
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Old 09-25-06, 12:17 PM
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Another idea: if you don't need a credit card immediately and shop regularly at stores that offer cards (e.g. Target), get a store card. It a great way to establish credit, and they usually have an incentive going for signing up.
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