Upon moving out of my parents house, I realized that I have no credit
established! How am I suppose to apply for anything in this world when I
have no credit? I decided I wanted to try having a credit card that I
can pay off on time, and establish a better credit score. Well, I did a
little research and I am here to share with you what I have discovered.
One option, if you're like me and maybe out on your own, is the Discover Student Credit Card. The APR is 0% for 6 months and then it goes up to 13.99%. There is no annual fee and the Discover company will review your application and decide on your credit line. Also, you get 5% cash back on purchases that are at places like the bookstore, gas station, restaurants, etc, and 1% on all other purchases (probably includes internet
purchases). It is okay to apply for this card if you have bad credit, as well.
If you're not a student, then perhaps the Capital One Standard credit card is for you? It has no annual fee and 0% APR for about 6 months to a year! After that period, the APR goes up to 24.9%. You can check out your credit card statements and pay your bill online! Also, if you like to decorate your stuff, you'll be glad to know that you can choose an image to be on your card, instead of having the plain one! I think that's the best part, haha.
The Orchard Bank Classic Card accepts no credit, bad credit, and fair credit. The APR varies greatly from 7.9%-28.9%. Also, this credit card has an annual fee ranging from $35-$79. The credit limit varies depending on the person applying. Honestly, I think this is the last resort card to get. Who wants to pay an annual fee? I sure don't!
These are just a few of the credit cards you can apply for if you have no credit or a bad credit score. Rebuild your credit! Don't ever think you have to settle with the credit score you have; there are always other options! A simple Google search for "credit cards with no credit" can give you many other options as far as cards to apply for, but if you apply for one of the ones above, there's a pretty good chance you will be accepted for the card. Happy crediting!