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No credit history

No credit history

Old Oct 26th 2005, 1:43 pm
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Default No credit history

Does anyone know of a credit card I can get with no credit history? I need to build my credit. I applied for a store card and amex and got rejected. I do have a joint mastercard with my American husband but that doesn't seemed to have given me any credit.
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Old Oct 26th 2005, 1:50 pm
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Default Re: No credit history

Originally Posted by Shahlax
Does anyone know of a credit card I can get with no credit history? I need to build my credit. I applied for a store card and amex and got rejected. I do have a joint mastercard with my American husband but that doesn't seemed to have given me any credit.
A secured credit card is usually the best way to start building some credit history. Check your bank, they may do a secured credit card. Don't keep applying for cards, as the rejections will go against your credit score.

If you do a search on here, you're more than likely to find oodles of information on this subject. Also, Fatbrit will probably be along, along with some others, and they all have some very helpful information as well. Good luck.
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Old Oct 26th 2005, 2:26 pm
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Default Re: No credit history

Originally Posted by Shahlax
Does anyone know of a credit card I can get with no credit history? I need to build my credit. I applied for a store card and amex and got rejected. I do have a joint mastercard with my American husband but that doesn't seemed to have given me any credit.
Before I got married my wife put me on her card - I think it was about 6 to 10 months before that seemed to work. It was strange as I was rejected for a store card, and then 2 months later I responded to a pre-approved credit card offer from Chase and was accepted. It might just be a waiting game.
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Old Oct 26th 2005, 2:26 pm
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Default Re: No credit history

managed to open a bank account with National City with no SSN. Credit card with $500 limit was not a problem. Okay so its a low limit but its a start
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Old Oct 26th 2005, 2:42 pm
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Default Re: No credit history

Originally Posted by AmerLisa
A secured credit card is usually the best way to start building some credit history. Check your bank, they may do a secured credit card. Don't keep applying for cards, as the rejections will go against your credit score.

If you do a search on here, you're more than likely to find oodles of information on this subject. Also, Fatbrit will probably be along, along with some others, and they all have some very helpful information as well. Good luck.
I did a search and there is a wealth of info on here. Thanks.

Do credit union credit cards count towards credit?
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Old Oct 26th 2005, 3:07 pm
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Default Re: No credit history

I had a MBNA card in the UK and got the US parent to pull my credit report from MBNA Europe. This got me a Credit card instantly.
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Old Oct 26th 2005, 5:03 pm
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Default Re: No credit history

Originally Posted by rbtuk
I had a MBNA card in the UK and got the US parent to pull my credit report from MBNA Europe. This got me a Credit card instantly.

Hmm, good idea. I should have done that with HSBC. I used a bank card for a while, then some store cards (and kept a zero balance!), and then the offers started piling up
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Old Oct 26th 2005, 5:09 pm
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Default Re: No credit history

Originally Posted by Shahlax
Do credit union credit cards count towards credit?
Credit cards do (but ATM/Debit cards don't).
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Old Oct 26th 2005, 5:35 pm
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Default Re: No credit history

Originally Posted by Shahlax
Does anyone know of a credit card I can get with no credit history? I need to build my credit. I applied for a store card and amex and got rejected. I do have a joint mastercard with my American husband but that doesn't seemed to have given me any credit.
That was the same situation whe i first moved here - my wife did not have an SSN so she just had a second card in her name. When she got an SSN I was able to get the card changed to a joint card - both SSN's on the account - then bank then started reporting her credit status as well as mine.
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Old Oct 26th 2005, 5:47 pm
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Default Re: No credit history

Originally Posted by cpe111
That was the same situation whe i first moved here - my wife did not have an SSN so she just had a second card in her name. When she got an SSN I was able to get the card changed to a joint card - both SSN's on the account - then bank then started reporting her credit status as well as mine.
Credit reporting on additional cards is mixed and variable among card issuers. As you say, the best bet is to see if they can convert it to a joint account (usually requires a call to the cust. serv. rep.). Some can, some can't. Some report the additional user, some don't.
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Old Oct 26th 2005, 5:57 pm
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Default Re: No credit history

Originally Posted by rbtuk
I had a MBNA card in the UK and got the US parent to pull my credit report from MBNA Europe. This got me a Credit card instantly.
Funny, they told me I couldn't do that when I called.
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Old Oct 26th 2005, 6:18 pm
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Default Re: No credit history

Originally Posted by fatbrit
Credit reporting on additional cards is mixed and variable among card issuers. As you say, the best bet is to see if they can convert it to a joint account (usually requires a call to the cust. serv. rep.). Some can, some can't. Some report the additional user, some don't.
I have a feeling mine don't report additonal users. I have been on my husband's mastercard for 3 months and no credit history. Maybe I have to wait more than 6 months.
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Old Oct 26th 2005, 6:20 pm
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Default Re: No credit history

Originally Posted by fatbrit
Credit cards do (but ATM/Debit cards don't).
If all credit cards count, how come people recommend getting one from a 'big' bank? Are some cards better than others or do all cards report credit the same way and have equal weight?
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Old Oct 26th 2005, 6:25 pm
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Default Re: No credit history

Originally Posted by Shahlax
I have a feeling mine don't report additonal users. I have been on my husband's mastercard for 3 months and no credit history. Maybe I have to wait more than 6 months.
Yep -- should start showing up after a couple of months. The 6 months of history is to actually generate the FICO score from your credit history, i.e. the data should be there but your credit score won't generate. Why not get hubby to call up the friendly cust. serv. rep. and see if you can change it to a joint account? Also, make sure they have your SSN attached to it.

Failing that, try another of hubby's cards or try any of the tricks listed @ http://britishexpats.com/articles/000090.html
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Old Oct 26th 2005, 6:47 pm
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Default Re: No credit history

Originally Posted by fatbrit
Yep -- should start showing up after a couple of months. The 6 months of history is to actually generate the FICO score from your credit history, i.e. the data should be there but your credit score won't generate. Why not get hubby to call up the friendly cust. serv. rep. and see if you can change it to a joint account? Also, make sure they have your SSN attached to it.

Failing that, try another of hubby's cards or try any of the tricks listed @ http://britishexpats.com/articles/000090.html
Thanks, you're really helpful! How come you know so much about credit?
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