i'm not sure what to do, i'm not working and don't already own a credit card. Every website i enter ask's me for one. If possible, how do i go about getting one?
216551
You can get a pre-paid Master card through mycashplus. No credit checks, no bank account needed. Top up at post office.\n  Hope that's of help.
76561
Don't do it! Go in person to the bank or loan company, you don't know who might get your credit info. And why can't he take care of him self?
609922
Pretty soon you will start getting offers from credit card companies (Householdbank, Orchard, First Premiere) and although they start you at a tiny $250 limit, it is a way to start re-establishing credit.  Just charge something small and make payments.  I know it looks like there is no hope, but there is.  Also, order a copy of your credit report and see what is on there.  Try and challenge anything.  Sometimes the credit agencies are so lazy they won't verify anything.  Is your BK dismissed?  Sometimes if it is dismissed, you can have it removed.  I just got mine removed from Experian.  Good luck.
671632
Call your credit card company and discuss this with them.  Can't hurt to ask.
12219
Why ?  Do you not have cash ?  Do you want to have debt ?\n\nStop using your credit cards.\n\n \n\n“People change their lives only when they say, ‘I’ve had it!’” – Les Brown\n\n \n\nThink you can’t exist in the 21st century without credit?  Do you have at least one credit card?  Did you sign up just for the bonus miles or cash back?  Sounds like it’s time for you to perform a plasectomy.  (That’s what Dave calls cutting up your credit card.)  You’ve heard all the lies, now here are a few facts about credit.\n\n \n\nMyth: No on can live without credit cards.\n\nFact: Actually, 24% of American households are getting by just fine without any type of credit according to a Federal Reserve survey of consumer finances.  Try using your debit card or cash instead.  If millions of Americans can live without credit, so can you!\n\n \n\nMyth: Credit cards help me get airline miles, cash back and other discounts.\n\nFact: Yeah, credit cards also help you get into debt.  Consumer Reports say that only 25% of airline miles are ever redeemed – and credit card companies know it.  Earning a few airline miles is not worth thousands of dollars in debt.  \n\n \n\nMyth: I can just pay off the balance at the end of every month.\n\nFact: You’ll be in the minority.  According to CardWeb.com, only 40% of credit card users pay off their balance when they receive the bill.  Plus, overspending is inevitable when you use a credit card.  It’s just easier to swipe a piece of plastic than it is to flash the cash.\n\n \n\nMyth: “Ninety days same as cash” is the smart way to buy.\n\nFact: “Ninety days same as cash” is a scam.  Retailers know that most consumers won’t pay their balance in 90 days, which means you get stuck with outrageous interest rates and back charges to boot.\n\n \n\nMyth: I’m required to have a credit card to buy a house.\n\nFact: Several quality mortgage companies provide underwriting which allows you to purchase a home without a credit card.  If your mortgage lender requires a credit card for your home loan, run – don’t walk – to a lender who will actually help you achieve freedom from credit.
60018
my suggestion! Get a Credit Card in your name then!
407746
It depends, is it one of those bad crdit credit cards? I've got a Rewards 660 they required copy of utitlity bill (proof or residence) drivers license (proof of identity) and since I provided them with my home and cell # I had to send part of my cell bill.  Also before they sent my card they called my home and cell #.  Once I got my card I had to call from my home or my cell to activate.  They can ask for what ever they want, it's up to you whether you give it to them or not.  If it's a more reputable company they don't ask for these things.  If you've got bad credit, they put you throught the ringer, although I have other cards for bad credit and they didn't ask for all of that.  Google the company and see if there are any complaints from other card holders about them.
243991
When you have no history you will not get the best rate or terms no matter what so get that notion out of your head right now.  You will need to get a card that most likely will have an annual fee, a higher rate, and maybe a few other fees thrown in for good measure.  You have to look at this as the expense of establishing credit.  Another thing you can do is get a regular store charge and use that.  Once you have a higher rate Visa or Mastercard and the store charge be sure to use them and pay the bills on time.  Eventually you will get solicitations in the mail with better offers.  It just takes time, but it's what you have to do.\n\nI've been there and done that.  Now everything I have is low rate with no annual fee and my initial interest rates are always 0% for up to a year and a half.  It can be done.  You will just need to start off at 16% - 18% - 21%, whatever you can get and work it down from there.
176880
call your credit card company, i'm sure you can get teh number off their website, ask them what you should do.
216734
THE FIRST CREDIT CARD I GOT WAS FROM THE WOMEN'S EXPRESS STORE ABOUT A YEAR AN A HALF AGO. IT WAS A CREDIT LIMIT OF $150. AFTER I PAID ON IT FAITHFULLY FOR ABOUT 6 MONTHS, I STARTED GETTING CREDIT CARDS OFFERS IN THE MAIL. I FOUND SOME GOOD ONES WITH A FIXED RATE AND I WAS APPROVED FOR ONE OF THEM WITH A $1000 CREDIT LIMIT. I PAID THEM OFF, BUT LEFT THEM OPEN WITH A $0 BALANCE. THAT'S THE BEST WAY TO RAISE YOUR CREDIT SCORE. SO NOW I GET AT LEAST 2 CREDIT CARD OFFERS A DAY AND HAVE A CREDIT CARD WITH A BALANCE WITH $3000 NOW. (DON'T WORRY, I CAN PAY FOR THAT) :-) BUT JUST MAKE SURE YOU CAN PAY FOR THE BALANCE CUZ YOU DON'T WANT TO GET YOURSELF IN CREDIT CARD DEBT. SO START OFF WITH A SMALL RETAIL STORE, THEN EVENTUALLY YOU'LL MOVE INTO BIGGER CREDIT CARD COMPANIES. GOOD LUCK!\n\nPS. SO WITHIN A YEAR AN A HALF, I WENT FROM HAVING NO CREDIT TO VERY HIGH CREDIT SCORE. JUST LEAVE CREDIT CARDS OPEN WITH A ZERO BALANCE. THAT SHOWS THE CREDITORS THAT YOU HAVE THE CASH TO BUY THINGS WITH, INSTEAD OF USING YOUR CREDIT CARD. I KNOW A LOT MORE TOO BECAUSE I WORK AT A MORTGAGE COMPANY. EMAIL ME IF YOU HAVE ANYMORE QUESTIONS!
557189
www.capitalone.com  Look for the credit card that they offer to people to insufficient credit history.\n\nSometimes discover offers cards a little easier.\n\nOr, you can contact your bank and ask them if they offer a secured credit card.  For this, you will have to deposit money in a CD with the bank, and they will issue a card to you with a limit of that amount.
554836
Did you activate the card with the phone number provided?\n\nI rec'd one of these for $50 and used it in several places, with no problems at all.  \n\nOn the card, there should be a phone number to check your balance, start with that and don't give up.
389046
You can alway go to a bank and get a secured credit card. This is one where you put a certain amount in security on deposit, and this is what your credit limit is. When you eastablish your credit worthiness, say in a year, then you can get your deposit back and get a regular one. Once you establish credit, you'll have more pre approved offers for credit cards in the mail  than you know what to do with.
425259
I have been very happy with my Discover Card, but I recommend that you also get a second credit card for the rare cases where Discover Card is not accepted.\n\nI highly recommend that if you get a credit card that you pay the full amount when due, so that APR is not a issue. If you can not pay in full, stop using your card, until you can. \n\nI  pay the full amount when due, well almost always <grin>,  there was one Christmas when I when overboard, plus a lot of travel. \n\nAlso make sure it not just an introductory APR.\n\nSome of the features I like (some of these are now dated).\n\nI forgot a payment was due and the day it was due, I call them to explain, they told me that I could go to a local Sears store and pay it there. I think I did this a couple time, not sure if this is still an option.\n\nI like their online site.\n\nI like the occassional 5% back on selected products.
18174
Without a credit history, getting a credit card is not easy. Keep trying at the bank you do business with. They may start you off with a credit card with a $500- $1000 credit limit to see how you pay your credit card bills, then increase your credit limit as time goes by. If all else fails, there is such a thing as a SECURED CREDIT CARD. This card is backed up by a specific amount you put up to ensure  payment of your charges. This is also your credit limit. One you establish yourself as credit worthy, you get whatever credit deposit you put down,and a regular credit card is issued to you. For secured credit cards, again see,  your local banker first.
289158
Amazingly, I dom't think there is one.\n\nI would contact them directly and ask them how to purchase credit. There must be a way as they have a table of pricing!
423758
Same thing happened to my daughter with JC Penneys.  You don't have enough credit history for a store card to give you an account.  Try applying to your bank for a regular VISA card.  It is a bit easier because you already have an account with your bank and the interest rate will be lower than a store card.  (But try to not carry a balance, okay.)  \nYour check card is just that, inspite of the VISA logo.  The funds come directly out of your checking account, so there is no bill to pay, so no history to track.