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Topic	Im 30 years old and have no credit.
Rainbow_Dashing 06/02/17 5:18:29 PM #18:	Anyone who's telling you how to get an unsecured credit card hasn't been in your situation. You pretty much have to get a secured credit card. Honestly. I was 25 when I got my first credit card, and it was somewhat difficult? I tried going to a bank and they told me they could loan me like 1000 bucks and then I'd pay interest and after a year I'd have a solid score, but they wouldn't let me use it. Sounds stupid but it makes sense because you have no credit history at all. So I said fuck asking a bank for a credit card. I was getting scam offers from other places. I tried applying for a quicksilver card and got denied. I think I applied for another one and got denied, so I had two hard pulls on me so far. In the end what I did was sign up for a secured credit card, which is where you give them like a certain amount of cash (in my case it was 200) and you get a 300-350 dollar limit credit card. After a year they gave me back my 200 dollars and raised my limit to 600, and I'm sure I'm due for another limit raise. My score is around 730 currently, so I'm just waiting for it to hit 750 to go for the quick silver card and have a higher limit. So basically your best choice is to get a secured credit card where you give them money already and they give you a slightly higher credit limit than what you gave them. The reasoning for this is if you max out your credit card and default/never pay it back at least they can recoup most of their losses. Then once they trust you enough they give you back that initial payment you did. Best thing you could do though is look for a secured credit card with no annual fees. In my case Capital one was pretty solid and I like their app, however other people may have other recommended secured credit cards. Unrelated to your situation, but surprisingly I tried opening a new bank account once (before having a credit card) and I had to be asked for my license and social security because they couldn't find me at all, because I had no credit history at all. Interesting how things like that can work out. --- http://i.imgur.com/p0Sbo.jpg http://i.imgur.com/mghB33T.jpg http://i.imgur.com/NWrZa.png <cite>Rainbow_Dashing posted [p:880290467] in Im 30 year... [t:75414526]...</cite> <quote>Anyone who's telling you how to get an unsecured credit card hasn't been in your situation. You pretty much have to get a secured credit card. Honestly. I was 25 when I got my first credit card, and it was somewhat difficult? I tried going to a bank and they told me they could loan me like 1000 bucks and then I'd pay interest and after a year I'd have a solid score, but they wouldn't let me use it. Sounds stupid but it makes sense because you have no credit history at all. So I said fuck asking a bank for a credit card. I was getting scam offers from other places. I tried applying for a quicksilver card and got denied. I think I applied for another one and got denied, so I had two hard pulls on me so far. In the end what I did was sign up for a secured credit card, which is where you give them like a certain amount of cash (in my case it was 200) and you get a 300-350 dollar limit credit card. After a year they gave me back my 200 dollars and raised my limit to 600, and I'm sure I'm due for another limit raise. My score is around 730 currently, so I'm just waiting for it to hit 750 to go for the quick silver card and have a higher limit. So basically your best choice is to get a secured credit card where you give them money already and they give you a slightly higher credit limit than what you gave them. The reasoning for this is if you max out your credit card and default/never pay it back at least they can recoup most of their losses. Then once they trust you enough they give you back that initial payment you did. Best thing you could do though is look for a secured credit card with no annual fees. In my case Capital one was pretty solid and I like their app, however other people may have other recommended secured credit cards. Unrelated to your situation, but surprisingly I tried opening a new bank account once (before having a credit card) and I had to be asked for my license and social security because they couldn't find me at all, because I had no credit history at all. Interesting how things like that can work out. --- http://i.imgur.com/p0Sbo.jpg http://i.imgur.com/mghB33T.jpg http://i.imgur.com/NWrZa.png</quote> ... Copied to Clipboard!
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