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Can i get good a better score without getting a credit card?
My credit is not bad, but no positive credit to establish good backing. Is there anyway that i can get good eough credit for loans, a home, etc., without getting a credit card, (and putting myself in debt)?
Asked by
icandler3
1 year ago
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Your score will be dragged down by not having a credit card. I suggest at least 2-3 credit cards/store charge cards(like a target). I know people think oh I don't want a credit card but then freak out when they apply for a car loan and end up paying 19% on it. You need a mixture of credit to maximize your return.
camalott4 1 year ago
I forgot to add. with no credit it will be hard to get credit. Open up a banking account with a credit union and then a secured loan. Try orchardbank.com and see what card they offer. IF you have to get a secured card. Starting out in the credit world is tough because no credit=bad credit. Good luck.
camalott4 1 year ago
Yes,your credit can go up without opening a credit card,but it will be weird,because the only way I see that happening would be if you buy a house,car or take a loan and pay always on time,but it is weird to find a person that owns a house and has no credit cards,but technically ,yes,your score can go up without having a credit card
enmanuel22 1 year ago