Yes, you can get a acclaim agenda if you accept no acclaim history. But you can’t get any agenda you want.
In this adventure of “Dumb Money,” Taylor Tepper explains how.
There are two capital paths to follow: apprentice cards and anchored cards.
If you’re in college, a acceptable advantage is a apprentice card, abnormally one afterwards an anniversary fee. Discover, Bank of America and Northwest Federal Acclaim Union all action acceptable options.
Are you beneath 21? Then you’ll charge affidavit of assets or a co-signer, but you still care to be able to get one of these apprentice cards.
If you larboard academy afterwards a acclaim history, go the anchored route. With a anchored agenda you put up a banknote drop that’s according to your acclaim limit.
Pick one with low fees that letters to the three above acclaim agencies. Discover it Anchored is a abundant choice. One decidedly acceptable affair about it is that it will accord you the adventitious to get a regular, non-secured acclaim agenda afterwards 12 months.
Once you accept a apprentice acclaim agenda or a anchored card, you can body a acclaim history. To get a agenda that gives you banknote aback or breadth points, you appetite to body a acceptable acclaim history. So pay your bill in absolute anniversary ages — on time! — and accumulate your balances able-bodied beneath your acclaim absolute — about 30% is a acceptable max.
The added amenable you are with your acclaim card, the eventually you’ll be able to get one with acceptable perks.
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