Credit Advice

Have a question? Have advice to share? The combined knowledge and experience of everyone in the Credit Karma community can help you. Enter your question or help others below to get started!

Question

Posted in Credit Cards
Profile Image

Question By
deeannav

0 Contributions
0 People Helped
i plan to get a credit card for the first time anny advise would be appreciated
i have no credit and want to build my credit so i can buy my first home

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.

SIGN UP NOW
All Responses

Results 1-2 of 2Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next
8 Contributions
47 People Helped
Most Helpful Response

Secured would be 1st choice

Helpful to 1 out of 1 people

Secured cards are the easiest to get when starting with no credit or really bad credit. If your starting out with no credit it won't take long for you to notice a steady incline in your score. After 6-12 months or smart use, you should be ok to try for a unsecured card. My opinion a credit union would be an excellent choice. There generous giving locals a credit line. And usually have low APR.    

Top Contributor
91 Contributions
79 People Helped

Get a secured card

Helpful to 1 out of 1 people

Generally, if you can show the bank a proof of income (such as a job), you should be able to get a regular credit card. However, if that option is not for you, and you are with no credit, then your best bet is to get a secured card.

Approach a few banks, and they will tell you if they offer you this. You generally pay a security deposit (which, becomes your credit line), and get to use the card. Build history and take it from there...

Results 1-2 of 2Results per page: 5 | 10 | 25Page 1 of 1   Previous | Next

Your Credit Scores Should Be Free. And Now They Are.

View your scores and reports anytime.

SIGN UP NOW

Reply to this Question

Write your response:
Enter Your Comments

The Credit Advice pages of the Site may contain messages submitted by users over whom Credit Karma has no control. Credit Karma cannot guarantee the accuracy, integrity or quality of any such messages. Some users may post messages that are misleading, untrue or offensive. You must bear all risk associated with your use of the Credit Advice pages and should not rely on messages in making (or refraining from making) any specific financial or other decisions.