How to Get a Credit Card Without a Job
- 1). Start by applying for a store credit card. Major chain retailers--such as Macy's or Sears--issue these cards. You can apply for one in the store or pick up an application to fill out at home.
- 2). Sign up for a free membership card to a video store where your credit is not checked. Choose one where you needn’t list a place of employment to get a card. Once you receive the card, you can use the account as a reference when you apply for a real credit card.
- 3). Apply for a secured credit card through your bank. With a secured card, your payment activity will be gathered and reported to the credit unions to help you build credit. You will deposit a minimum amount of money into a secured account, and you may use your card to make purchases against that amount of money. Request that your bank issue credit statements monthly to build your credit quickly.
- 4). Ask a parent to cosign in order to get a regular credit card. If you want a good card with competitive rates, you can still receive one if your parents sign for you. This means they are financially liable if you default on a payment. Make sure you will be able to pay.
- 5). Get a high risk credit card that charges you a large up-front fee. This will be due with an initial purchase. This is a risky move for most people since the initial fees for these cards can run at hundreds of dollars. In addition, if you pay late, you could see a big rate increase.
- 6). Get a direct bank loan to establish your credit. A good credit rating is more important to card issuers than your income. Visit with your banker about taking a small consumer loan for a television, furniture or computer. Ask them to report your payments to the credit reporting agency.
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