No Credit

If you’re just starting out, having no credit can make it hard to buy a car, rent an apartment, or buy your first house.   And, sometimes it can seem that having no credit is worse than having bad credit!  Wrong.   While having no credit can hinder your ability to make a major purchase, it’s much easier to build an excellent credit rating from no credit than it is to improve from bad, fair, or even good credit to excellent! 

And, getting on the right foot financially can be as simple as applying for a credit card designed for individuals with no credit, using the card responsibly,  and making the payments on time.  Within a few months, once your good account status is reported to the major credit bureaus, you’ll begin to notice your credit score rising…and, with continued responsible financial behavior, your credit score can climb to excellent very quickly!

Here are the best credit cards for individuals with no credit: