How can i have a credit card?

[nice&gentle 1]

Hi, i have a very easy question, i was always having just debit cards, i don't know why! its time to have a major credit card, i have 2 bank accounts in USA, i was working for 4 months and had to quit my job, now i'm looking for another job, how can i apply for a credit card? do i must be working for 6 months before i apply for one?

Thanks for your help, i appreciate it in advance

[RodDetroit 118]

Hi, i have a very easy question, i was always having just debit cards, i don't know why! its time to have a major credit card, i have 2 bank accounts in USA, i was working for 4 months and had to quit my job, now i'm looking for another job, how can i apply for a credit card? do i must be working for 6 months before i apply for one?

Thanks for your help, i appreciate it in advance

do you have any credit score? you building one with a car loan , if you dont have any ( check out credit karma) then you should start off with a secure credit card from a financial institution, they basically hold 500 dollars from your savings account that will help you to build credit score fast then you can switch to a major credit card company.

[nice&gentle 1]

do you have any credit score? you building one with a car loan , if you dont have any ( check out credit karma) then you should start off with a secure credit card from a financial institution, they basically hold 500 dollars from your savings account that will help you to build credit score fast then you can switch to a major credit card company.

Thanks for your reply,

I have no credit score, i was just using my debit cards, i was added to my husband CC then something happened , he has bad credit i think, i was looking online now , there are few options like applying for a secured CC with the bank i have or i can apply for CC with Credit union.......

[Unlockable 7,315]

DO NOT... I repeat... DO NOT have your husband add you on as an authorized user on a credit card if he has bad payment history. If he has never been late on any of his payments then have him add you.

A secured CC is your best bet. You can get one for as little as $500. Most banks offer secured CC. Capital is a good CC company to start off with.

[nice&gentle 1]

DO NOT... I repeat... DO NOT have your husband add you on as an authorized user on a credit card if he has bad payment history. If he has never been late on any of his payments then have him add you.

A secured CC is your best bet. You can get one for as little as $500. Most banks offer secured CC. Capital is a good CC company to start off with.

Thank you for your advice, I will ask for a secured CC with my bank , do you think i must be working in order for my bank to offer me this Sec CC ?

i will try Capital one too

[subwayguy 100]

Thank you for your advice, I will ask for a secured CC with my bank , do you think i must be working in order for my bank to offer me this Sec CC ?

i will try Capital one too

Capital one pulls 3 bureaus. Try discover.

to check if you already have a creidt profile, try credit karma

[nice&gentle 1]

Capital one pulls 3 bureaus. Try discover.

to check if you already have a creidt profile, try credit karma

Oh thanks , i will check in credit karma if i have a profile

[nice&gentle 1]

Capital one pulls 3 bureaus. Try discover.

to check if you already have a creidt profile, try credit karma

is credit karma safe? safe to enter your information?

[EM_Vandaveer 2,417]

Capital One was the only one giving me credit as a new immigrant with ZERO credit history. Started with $300 limit (not secured). Since then it was raised step-by-step to $4k limit and I have other credit cards, too.

[Ultimecia 6]

To echo all the comments, check your credit score first. It's a good way to see what type of CC you'll be able to get. Nerdwallet is also good source to see what kind of CC's you could get with no credit history. Once you apply and get approved, start off with small purchases and pay them off. Keep doing that and you'll build credit history and thus increase your credit score.

You just gotta be careful with them!

[almost_umrican 54]

Hi, i have a very easy question, i was always having just debit cards, i don't know why! its time to have a major credit card, i have 2 bank accounts in USA, i was working for 4 months and had to quit my job, now i'm looking for another job, how can i apply for a credit card? do i must be working for 6 months before i apply for one?

Thanks for your help, i appreciate it in advance

There are 2 options for you. it is common what you are going through -

1) Try talking to a local/small/ community bank if they will give a cc. you can ask for a secured cc if they are not ready to give you a unsecured one due to no/low credit worthiness.

2) Capital one is famous for giving away secured CC for new residents. try that. that is where i personally started and was able to raise my score. i know have multiple cards and have mailbox loaded with new cc offers.it is just a slow process. you will get there.Good luck.

[chiggins82 88]

Do you still have a Canadian Bank account and good credit? You can set up cross border banking and get a credit card that way if you're having trouble getting one. I heard from someone (no idea if it is true or not) that you can go to some major banks and when asking for credit ask if they will check the Canadian Bureaus. If this is true, It would likely be ones like BMO, TD, PNC that already have cross border banking ties.

Otherwise, I think the secure card is a good idea and will let you get a credit history established.

[Adil & Jeanne 296]

If your husband has bad credit and added you to his card, you already share the bad credit history

most debit cards have the visa logo, use that

and why a credit card especially with no job? don't answer / just consider this may be a bad decision

to restore or get a good credit rating, find a job, and build a savings account

in the US many are in financial trouble thinking they need a stupid credit card

save for what you want and then buy it

Personal opinion of course / no insult intendied

[Cathi 5,784]

without a job you will not qualify for anything. When you get a job apply for a Capitol One CC. My husband got his first CC from them, 2 months later he was able to get a car loan(with me as a co-signer)and less than an year later he qualified and obtained a mortgage for our home.

[usmsbow 802]

I echo the CapOne "endorsements". My wife got her first CC with them (unsecured). She was doing temp work at the time.

And yes, Credit Karma is safe. Easy and free way to check your credit score.

Edited July 20, 2016 by usmsbow