How to Apply for an Easy Credit Card With Limited Credit History
- 1). Apply for a credit card at your banking institution. Your bank knows your financial situation. If you have kept a good standing with your banking accounts, they will usually issue you a credit card.
- 2). Apply for credit cards at local businesses and chains. Gas stations, department stores and home improvement centers often offer credit cards that can be used at their locations. This is a good place to start building credit history.
- 3). Shop online for credit card companies that charge low interest rates. Read all the information regarding annual fees, cash advance fees, late fees and other fees and penalties.
- 4). Fill out all of the applications thoroughly and neatly. Use black or blue ink. If using an online application, look for reputable companies you recognize. Make sure the security icon is visible on the screen. The security icon looks like a small lock. Seal paper applications well and mail as soon as possible. Check to see if postage is required. Store credit applications can usually be accepted at the counter or customer service.
- 5). Charge responsibly. You do not have to pay the balance off each month to maintain a good credit rating, but large balances cost a lot of money in interest payments. If you cannot make minimum payments on time it will hurt your credit score.