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DanteLFranklin

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Are major banks like PNC and Wells Fargo good places to get credit cards for people with thin or noc
I don't believe I have any credit yet so does that mean I have low credit?

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No, those lenders are NOT a good place to get started. The first thing that you need to do is to read as much as you can about credit and all of it's workings. Then you would want to start out with a Secured credit card. Lenders like Capital One are good starters. You can check the preapproval link on their website to make sure that you are not able to be approved for an unsecured card first, but usually most people need to start with a Secured card. Whatever lender you choose, make sure that they will be reporting the account to all three credit bureaus as not all lenders do this and that is very important for building credit. Having no credit is having no credit, not having low credit. Having no credit is almost as bad as having bad credit, so make sure that you get started with the credit building right away and the best part is, the first step of building good credit is basically free, as reading is the first step.

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