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The principal is the dollar amount of a loan. It does not include fees... ...more
Getting a credit card can be difficult for those with no prior credit history. There are, however, ways to jump start your credit card usage.
The first option is opening a secured credit card. If you have no credit history, you can apply for a secured credit card, which will allow you to make deposits against the account’s credit limits. The bank from which you get the card holds onto the deposit you made at the initial opening of the card in case you don’t make payments as required.
If you already have a savings or checking account at a bank, and if you’ve been careful with the accounts, a good bet is to try to apply for a credit card through the bank itself. Talk to a representative at your bank about opening up a card. The existing relationship with the bank will help chances of your application being approved.
Students have excellent chances of getting their first credit card while enrolled in college. Students should be aware, as credit card companies have a reputation for preying on students. Students should start out with just one card, however, regardless of the number of offers received.
Finally, a credit card from a department store or gas station typically comes with easy approval, which can make getting your first card easier. These do, however, often come with a high interest rate.
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