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How do I get a credit card if I have no credit history on my financial history?
So where do you actually start? You can’t build credit without having credit card or credit accounts, and you sometimes can’t get credit as a student without your credit history.
In these days, credit is required for almost everything from getting a cell phone, renting an apartment and applying for a student or car loan. Luckily, one of the best times to build credit is when you’re still going to school. Here’s what you need to know when applying for your first credit card, follow these steps to build a good credit history.
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When you are a student with a limited credit history, or currently have no debt or credit, you may not have a credit score because the credit bureaus have no way to track your ability to repay loans or pay your bills on time. Your credit score is made up with multiple of factors. One of the most important factors is your credit history. However, in opposite of to what you may think, one of the best ways to build your credit history is to apply for and responsibly use a credit card. You can also get a credit card with credit cards for bad credit. There are specific programs for this, such as secured cards, secured credit cards. After getting yo certain level or score on your credit you can apply for credit cards for fair credit.