No one will give me a credit card, I need to establish credit what can I do?
-
To start off I live in Ontario,Canada. I went to my bank to thinking there would not be a problem with them issuing me out a credit card but they told me because I have no other credit cards and have completely no credit that they could not give me one. I personally think it's because I am a homemaker at this time *9 months pregnant on maternity/parental leave* So I tried at other places to see if I could get a credit card else where..again they tell me I have know credit so they can not give me a credit card. I did try to explain that I am trying to establish credit and I need to start somewhere I'm expecting a low amount on the credit card...does anyone know what I can do or where I can go to get a credit card. My fiance and I want to get a house in a few years and I want to have good credit by that time. Could any one help me.. Thank you in advance!
-
Answer:
secured credit card is the way to start .. mbna or capital 1 are the best
Abhishek S at Yahoo! Answers Visit the source
Other answers
I don't believe in credit cards, I think they have ruined to many lives. I built my credit by buying a car, and my credit was well enough from that to get a house.
Freedom!
Yeah, get a $200.00 secured credit card, anywhere...use it for 6 months pay it each month in full, in 6 months get another..and you will be off and running....your story doesn't state how you plan on paying this back each month though....
Rarri
Best cheapest way to establish credit is a secured bank loan pay off over 7 months and repeat. Getting a CC to start your file is stupid
Calvin C
Get a secured credit card... Capital one.
Ms Fat
If your fiance has a job he could get one... But unless you have a job no will give you a credit card..cause there would be no way for you to pay it back..
Candy
You need sufficient income to get a credit card I want you to google several local banks followed by the words: Secured Card See if you can qualify for one of these without a job You will deposit about 300 into an account and get a debit card to use against it Follow the rules to develop good credit: Never use more than 30% of your limit Ex: 300 limit - never touch more than $90 in usage And replace the money in full when you get the statement. If you can't get a secured card, a secured loan may be the only way. Don't mix your credit with your fiances credit for 2 reasons 1. You want to develop credit on your own 2. He might not have good credit habits and actually lower your credit
Go with the flow
Related Q & A:
- What can I give my friend for his birthday?Best solution by Yahoo! Answers
- How can a person even get a credit card when they never had any credit before?Best solution by credit.com
- Whenever I get a runny nose, I bleed from my nose. How can I stop this?Best solution by healthtap.com
- I live in Olympia WA. What can I do around here?Best solution by Yahoo! Answers
- Can you pay a credit card bill with a money order?Best solution by ChaCha
Just Added Q & A:
- How many active mobile subscribers are there in China?Best solution by Quora
- How to find the right vacation?Best solution by bookit.com
- How To Make Your Own Primer?Best solution by thekrazycouponlady.com
- How do you get the domain & range?Best solution by ChaCha
- How do you open pop up blockers?Best solution by Yahoo! Answers
For every problem there is a solution! Proved by Solucija.
-
Got an issue and looking for advice?
-
Ask Solucija to search every corner of the Web for help.
-
Get workable solutions and helpful tips in a moment.
Just ask Solucija about an issue you face and immediately get a list of ready solutions, answers and tips from other Internet users. We always provide the most suitable and complete answer to your question at the top, along with a few good alternatives below.