Limited or No Credit

If you’re just starting out in the financial world, and you literally have no credit score, it can sometimes be hard to establish credit! Creditors can be hesitant to take a chance on someone who has never needed to borrow money, never needed credit, etc., and having no credit history can actually be almost as big a hindrance as having bad credit! The good news is that it is far easier to build a good credit history if you have no credit than it is to regain your credit standing if your credit is bad…and building good or even excellent credit from no credit usually doesn’t take much time. All it takes it that one, first credit card, or that first debit card…the first step.

These are the easiest credit and debit cards to get if you have a limited or no real credit history: