How to apply for a credit card without any credit?

Get a job. There is no way you get credit without income and your parents arent going to fly with a bank.

 

go to school, i know people that didnt have a job and got it but their limit was like $100. or have some kinda bill put in your name that your parents co-sign for that way it shows you have some sorta income.

 

car payment
cell phone bill


but try and avoid revolving credit lines

 

[rant]Try answering any of the 4-6 credit card offers we get in the mail every freakin day [/rant]

 

Go get a savings account at Wells Fargo or whichever bank you prefer and get a secured credit card through the bank.

 

One day I actually got ten letters from these credit card companies, they would keep send you again and again and again.

 

See if you can find a place that offers a student Visa credit card with a limit of 100 to 500 bucks. You might have to get one of your parents to cosign with you though.

The easiest way to build credit, IMO, is to get a car loan with a cosigner (like your parents) and pay it off as fast as you can.

 

you can unsubscribe to this junk. I used to receive half a dozen a week. now i get one every 3 months.

 

Go outside a college, sign up for a card. Lie about your income, don't worry the person who signs you up will vouch for you since he gets a commission for every nre person he brings in. You won't need anyone to cosign or whatever. Your limit will most likely be 500 dollars with an off the wall interest rate.

Listen to this part carefully. Do not pay off your bill all at once every month. Pay off almost everything except like 4 or 5 bux every month. You will pay some interest on it (50 cents), but it is worth it because it will make your card seem active. This is the advice I got from all 3 credit bearaus when I was checking my credit a few months ago.