| One of the oddities of the credit system is that if you | | | | Once approved for your card you then should start |
| apply for a credit card and haven't had credit before, | | | | using it. Make at least one purchase at the store per |
| you not only will probably get turned down but your | | | | month and then pay off the bill in full when it arrives in |
| efforts will work against you in the form of a drop in | | | | your mail box. Pay it right away too as a late payment |
| your credit rating. Almost as if penalties are built into | | | | could wreck your chances of getting credit with one |
| the process, getting a credit card can hurt you for the | | | | of the major cards later. |
| short run and lessen your chances of getting a loan in | | | | After at least six months, apply for one of the major |
| the long run. So, how do you get around this oddity? | | | | credit cards as you should have enough of a credit |
| Simple! Just read on and we'll take a look at ways you | | | | history on hand to successfully apply and receive a |
| can establish credit with no previous credit on the | | | | card. Before applying obtain your free copy of your |
| books. | | | | three credit reports from to make certain that your |
| Anytime you apply for credit and are turned down that | | | | store card is listed. If there is anything of a suspicious |
| works against you. However, if you have no credit | | | | nature or an apparent error, then notify the credit |
| history, then how can you establish credit in the first | | | | reporting agency before applying for the new card. |
| place? | | | | You can also establish credit easily through opening a |
| Fortunately, before you apply for that Visa, Master | | | | cell phone account, your own telephone account, or |
| Card, American Express, or Discover Card that you | | | | through the power company. Always pay your bills on |
| covet, you may want to give consideration to applying | | | | time as that will increase the likelihood that you will be |
| for a store card. That's right, cards through Sears, JC | | | | approved for your favored card later on. |
| Penneys, Home Depot, Lowes, Macys, and others can | | | | Jeff is the owner of Homeowner Uk Loans one of the |
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| most first time credit applicants get approved. | | | | |