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OfflineRebelutionsssss
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How in the fuck do you get a credit card with no fucking credit
    #22108132 - 08/18/15 07:04 PM (8 years, 5 months ago)

It's like getting a job with no job experience


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OfflineDetached
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Re: How in the fuck do you get a credit card with no fucking credit [Re: Rebelutionsssss]
    #22108144 - 08/18/15 07:07 PM (8 years, 5 months ago)

Options are available :shrug:

No credit can be worse than bad credit sometimes


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OfflineShroomslip
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Re: How in the fuck do you get a credit card with no fucking credit [Re: Rebelutionsssss]
    #22108145 - 08/18/15 07:07 PM (8 years, 5 months ago)

Which is not impossible.

I dunno really. Why do you need/want a credit card? Maybe a loan from the bank would be a better option? Just depends on why you want a credit card.


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OfflineRebelutionsssss
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Re: How in the fuck do you get a credit card with no fucking credit [Re: Detached]
    #22108156 - 08/18/15 07:09 PM (8 years, 5 months ago)

That's what I've heard but I wanna move in with someone that needs some kind of credit. He's willing to pay 400 bucks more than me so I don't wanna lose this deal :facepalm3:


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InvisibleFruitOfLife
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Re: How in the fuck do you get a credit card with no fucking credit [Re: Shroomslip]
    #22108158 - 08/18/15 07:09 PM (8 years, 5 months ago)

Just apply for a low limit credit card first, like $500 limit. Then use it and pay it off every month for a year and they'll either automatically up your limit or you can apply for a higher limit


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Offlinemy3rdeye
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Re: How in the fuck do you get a credit card with no fucking credit [Re: Shroomslip] * 1
    #22108163 - 08/18/15 07:10 PM (8 years, 5 months ago)

They give pretty well anyone a pre paid one. Use it and build credit up.


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InvisibleMagicman69
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Re: How in the fuck do you get a credit card with no fucking credit [Re: my3rdeye]
    #22108176 - 08/18/15 07:13 PM (8 years, 5 months ago)

You can get a credit card with no prior credit. It just won't be a big limit. You then build your credit by paying on time everytime. Pay your entire balance every month and not just the minimum payment to avoid interest.


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InvisibleShroomerInTheRye
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Re: How in the fuck do you get a credit card with no fucking credit [Re: Rebelutionsssss]
    #22108180 - 08/18/15 07:14 PM (8 years, 5 months ago)

Whatever you do, don't get one of those cards where you get one, but you have to pay, like, $250 immediately or something.  They intentionally screw you into maxing out your limit immediately and it's such horse shit.


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InvisibleJvF
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Re: How in the fuck do you get a credit card with no fucking credit [Re: ShroomerInTheRye]
    #22108189 - 08/18/15 07:16 PM (8 years, 5 months ago)

Quote:

ShroomerInTheRye said:
Whatever you do, don't get one of those cards where you get one, but you have to pay, like, $250 immediately or something.  They intentionally screw you into maxing out your limit immediately and it's such horse shit.



Its called a secured credit card, and its exactly what he needs.

No one is going to give you even a $500 line of credit with no credit. Either get a secured credit card or have a parent or girlfriend with good credit add you onto theirs


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OfflineRebelutionsssss
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Re: How in the fuck do you get a credit card with no fucking credit [Re: JvF]
    #22108194 - 08/18/15 07:20 PM (8 years, 5 months ago)

Quote:

jfischer218 said:
Quote:

ShroomerInTheRye said:
Whatever you do, don't get one of those cards where you get one, but you have to pay, like, $250 immediately or something.  They intentionally screw you into maxing out your limit immediately and it's such horse shit.



Its called a secured credit card, and its exactly what he needs.

No one is going to give you even a $500 line of credit with no credit. Either get a secured credit card or have a parent or girlfriend with good credit add you onto theirs



How does that work?


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InvisibleMagicman69
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Re: How in the fuck do you get a credit card with no fucking credit [Re: JvF] * 1
    #22108197 - 08/18/15 07:21 PM (8 years, 5 months ago)

My first CC had a $1000 limit and I had no prior credit. All I had was a checking account. It just had a high interest rate but I paid it off every month so it didn't matter. The trick is to never spend what you can't pay.


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InvisibleFruitOfLife
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Re: How in the fuck do you get a credit card with no fucking credit [Re: Magicman69]
    #22108205 - 08/18/15 07:22 PM (8 years, 5 months ago)

:whathesaid:


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InvisibleConfucian
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Re: How in the fuck do you get a credit card with no fucking credit [Re: Rebelutionsssss]
    #22108226 - 08/18/15 07:28 PM (8 years, 5 months ago)

Quote:

Rebelutionsssss said:
Quote:

jfischer218 said:
Quote:

ShroomerInTheRye said:
Whatever you do, don't get one of those cards where you get one, but you have to pay, like, $250 immediately or something.  They intentionally screw you into maxing out your limit immediately and it's such horse shit.



Its called a secured credit card, and its exactly what he needs.

No one is going to give you even a $500 line of credit with no credit. Either get a secured credit card or have a parent or girlfriend with good credit add you onto theirs



How does that work?




You go to the bank and ask for a secured credit card. Your limit is the amount of money you give them. Say you give them $350, that'll be your limit. If you give them $500, that'll be your limit, and so on.

They take on zero risk because they are holding your money hostage while they report to the credit bureaus and you build yourself a small credit history.

It sucks handing over that cash but you do get it back at the end of the term (usually 12 months), and it's a nice bonus after the long wait, and by then you'll have established some credit.


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Invisiblebadchad
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Re: How in the fuck do you get a credit card with no fucking credit [Re: Rebelutionsssss]
    #22108237 - 08/18/15 07:32 PM (8 years, 5 months ago)

You apply for one. 

As long as you don't have BAD credit, someone will give you a card.


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...the whole experience is (and is as) a profound piece of knowledge.  It is an indellible experience; it is forever known.  I have known myself in a way I doubt I would have ever occurred except as it did.

Smith, P.  Bull. Menninger Clinic (1959) 23:20-27; p. 27.

...most subjects find the experience valuable, some find it frightening, and many say that is it uniquely lovely.

Osmond, H.  Annals, NY Acad Science (1957) 66:418-434; p.436


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OfflineRebelutionsssss
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Re: How in the fuck do you get a credit card with no fucking credit [Re: Confucian]
    #22108242 - 08/18/15 07:33 PM (8 years, 5 months ago)

i have a good amount of money so i was thinking maybe put over 4-5 grand and just get myself started quick


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InvisibleConfucian
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Re: How in the fuck do you get a credit card with no fucking credit [Re: Rebelutionsssss]
    #22108275 - 08/18/15 07:41 PM (8 years, 5 months ago)

Quote:

Rebelutionsssss said:
i have a good amount of money so i was thinking maybe put over 4-5 grand and just get myself started quick




You will probably regret that. If anytime in the next 12 months you run out of money you won't be able to touch the 4 to 5 grand for a year.

On a good note you'll have a respectable line of unsecured credit after 1 year, a nice refund to look forward to, and when you apply for a different unsecured credit card 6 months into the ordeal you might get a decent line of credit.

The bank will see you have a 4 to 5 grand limit and probably give you at least $2500 line of credit instead of treating you like a little kid and giving you a $500 card.


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InvisibleShroomerInTheRye
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Re: How in the fuck do you get a credit card with no fucking credit [Re: Confucian]
    #22108278 - 08/18/15 07:43 PM (8 years, 5 months ago)

Quote:

Confucian said:
Quote:

Rebelutionsssss said:
Quote:

jfischer218 said:
Quote:

ShroomerInTheRye said:
Whatever you do, don't get one of those cards where you get one, but you have to pay, like, $250 immediately or something.  They intentionally screw you into maxing out your limit immediately and it's such horse shit.



Its called a secured credit card, and its exactly what he needs.

No one is going to give you even a $500 line of credit with no credit. Either get a secured credit card or have a parent or girlfriend with good credit add you onto theirs



How does that work?




You go to the bank and ask for a secured credit card. Your limit is the amount of money you give them. Say you give them $350, that'll be your limit. If you give them $500, that'll be your limit, and so on.

They take on zero risk because they are holding your money hostage while they report to the credit bureaus and you build yourself a small credit history.

It sucks handing over that cash but you do get it back at the end of the term (usually 12 months), and it's a nice bonus after the long wait, and by then you'll have established some credit.




Oh, the secured credit card is no question.  That's exactly what he needs. 

There's this really scummy place that I used to work near.  They would contact people with bad or no credit and tell them they'd get a card with a limit of $500.  Initially, you would have to pay $250 in "administrative fees" to get the card rolling, then they'd send you the bill late so you'd get dinged with another $250 in late fees.

Horse.  Shit.


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InvisibleGottaloveacid
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Re: How in the fuck do you get a credit card with no fucking credit [Re: Rebelutionsssss]
    #22108316 - 08/18/15 07:54 PM (8 years, 5 months ago)

Back when I was 18 and needed money I got myself a credit card. I couldn't really buy anything expensive but it built up my credit rating pretty quickly and was able to get better cards after a year or so.


Never understood the hate about credit cards. I was always told they were bad but when you are low on money they are life savers. Paying a monthly fee (with interest of course) is much less spiky on the bank account than debit. I used credit cards for about 5 years before I swapped to debit, and I only did because I had a good $30k in my bank account.


Obviously at the end of the day they cost more and carry some risk, but paying monthly fees is SOOOO much easier if you don't have a high paying job. I had a late payment or 2 in those 5 years but overall it served as an incentive to keep a job all the time.



Kinda off topic but I just wanted to add


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OfflineDTCharlieB
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Re: How in the fuck do you get a credit card with no fucking credit [Re: Gottaloveacid]
    #22108396 - 08/18/15 08:15 PM (8 years, 5 months ago)

I had zero credit when I got my first credit card.  It was actually pretty decent, 1500 dollar limit no annual fees, interest rate was somewhere around 20 percent.  This was about 11 years ago though I'm sure things have changed.  If you do get a card make sure you read  everything over real good
  Make sure there's no annual fee or a membership fee I think is what they call it.  There's alot  of information online about this kind of crap.  Both good and bad.  I've read that the best way to get. Higher score is to keep your blance at about 20 percent of what your credit limit is, or something like that.  But that's ridiculous it's best to just pay off  your balance ever month as to not pay any interest. Even if it builds slower your credit score will be just fine in the long run and on top of that you  wouldn't pay a crap load in interest.  I'm know credit expert but I have a decent credit score and all I did was pay off my balance every month and pay all my bills on time.  You may even be able to get a credit card from a department store or something.  I'd definitely look into getting just a straightforward credit card  even if it has a low limit. 

Bout time to get your credit on eh? Had har.


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OfflineLogicaL ChaosM
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Re: How in the fuck do you get a credit card with no fucking credit [Re: Rebelutionsssss]
    #22108410 - 08/18/15 08:18 PM (8 years, 5 months ago)

One way is to get a secured credit card.

A secured credit card is kinda like a savings account. U deposit a sum of money, say $300, then u get a credit card with a balance of (drum roll please)...$300.

Then u make payments back and use your credit as needed.

Its for people who have shitty ass credit or have no credit at all.


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