Youre finally eighteen and youre ready to start adulthood and one of the perks of becoming an adult includes having a credit card. The main question that everyone always asks is How do I get a credit card when I dont even have credit? Well, the answer to this question is fairly simple; you begin with a first time credit card like a student credit card.
Getting approved for a first time credit card is actually not that hard. If you dont have any credit and youre attending or youre planning on it, the ball is already in your court. Credit card companies love to take their chances on students that dont have any credit. Their theory is that if the student doesnt have enough money to pay off their debts, they just assume that mom or dad will bail them out.
The reason you want to apply for a credit card at such a young age is because once you get older and youre out of school, credit card companies will start to raise red flags when you apply for a credit card. They are going to ask themselves, Why is he/she applying for a credit card? They have the mindset that you are in need of money and you dont have the funds to pay off your bills.
When youre younger...
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