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I have no credit history

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“I have no credit history”

(How to get a credit card if you have no credit history with any bank)

It is not easy to get a credit card if you have never previously borrowed and repaid any loan from any bank. You see, banks depend on your credit history to assess how fit you are as a borrower. The good news is that you CAN still get a credit card. After all, “no credit history” is still better than “poor credit history.” How do you get a credit card if you have not established a credit record with any bank? Here are some tips.

  1. Prepare documents that serve as “proof of income.” Since you have no way of proving to the bank that you are a good borrower, you can at least prove to them that you are a good earner. They need to feel confident that you are reliable, regular cash or income that will enable you to repay the money they will lend you. So before you apply for a credit card, ask your employer to issue you (a) an employment certificate stating how long you have been with the company, and (b) a photocopy of your latest payslip.
  2. Prove that you can manage your bills. If you can present proof that you are capable of making regular payments, you have a better chance of getting approved for a credit card. If you are currently renting, for example, ask your landlord for receipts that show history of rent. Do you pay for certain utility bills? Compile those receipts, too, to show banks that you are capable of making regular, recurring payments.

You may also present documents showing regular repayment of government loans. The government is often more lax in extending small loans even to newer employees. If you have ever applied for an SSS salary loan before, for example, you can present receipts proving repayment of that loan to the bank. If you have a Pag-ibig (HDMF) loan and you pay a fixed amount monthly, you can also show that to the bank.

Featured Credit Cards:

RCBC Bankard MasterCard


  • Do anything you want, anywhere you want in any currency you want and pay them when your back home
  • Gain cash with RCBC Bankard MasterCard because it allows you as much as 30% of your credit limit.
  • Keep your mind at ease with 24/7 customer service anywhere from 20 countries in the globe

Citibank Platinum VISA


  • Pay annual fee of Php5000 for the primary card and Php2500 for the supplementary card
  • Enjoy cash advance service fee of Php500 or 3%, whichever is higher
  • Transfer your balance for FREE…
  • Finance charge of only 2.75%

Citibank Shell VISA


  • Get the HIGHEST fuel rebate in the market with Citi Shell Visa
  • Enjoy 24/7 emergency service for Gold Card holders in making any alternate plans in any cases of emergency.
  • gency cash once in need..
  • Pay an annual fee of only Php3000 for the primary card.

RCBC Bankard JCB Credit Card


  • Worldwide Acceptance in more than 180 countries on all major establishments
  • Shop, dine and travel anywhere and pay in any currency required
  • Convert your outstanding balance to your new RCBC Bankard JCB Credit Card.
  • Enjoy 24/7 customer service wherever you are.
  • Get as much as 30% of your credit limit anywhere you may be!

Featured Articles:

The Power Within You

Ever thought of getting a credit card but don’t know where to start? For majority of cardholders we know, credit cards are terrific tools that certainly have very great advantages.

We at have surveyed many customers and here is what came out…

Its very handy payment. That’s the big thing, right? You don’t have to worry about being robbed or something because you don’t have that big cash with you. Even if you’re just making small purchases, it’s a big help. Plus, the fact that we are in the on-line shopping age, it’s a total must have.

On the spot loans. When you’re short of cash, a credit card will be there to save you from the embarrassment of not being able to pay as it will help you make up for your purchase. To avoid any fees, just pay your balance in full.

You have no idea as to where you’re spending your money? People have the tendency to say they don’t know where half of their money went. With a credit card, you can easily track your purchases on your monthly payments. So if you think your wife spent too much for the month, check on your bill, who knows, it might even be you…

It’s easier to pay off. It’s easy to pay credit card bills. All you have to do is find an ATM with your checking or an easy account transfer. Good news is you don’t have to wait a month to pay it off. And guess what, some even lets cardholders pay their bills ONLINE. So say goodbye long lines; Hello to convenience!

You get rewards.

Every time you make transactions you earn point or “rewards” that you can exchange for either gift checks, vouchers, exclusive items or maybe the cash back system. We’re not saying that you use your credit card non-stop to avail of these, but as a matter of fact, it is a nice bonus.

Very exclusive deals. How would you spell exclusive? Its “c-r-e-d-i-t-c-a-r-d”. Why? Because you get a lot of high class services that are only available for those people who hold the cards. Sometimes its discounts on products, dining and traveling first class. Remember the times when you really wanted to buy something and you were able to buy it because of the discount my credit card was able to give me.

We can go on and on with these, but nothing is really important than learning it by experience. Everything has its ups and downs. It’s up to you, as the card holder, to become responsible in how you manage your money. Look into the bigger picture of how credit cards make life easier and who knows you might just even love it. Just be responsible and a word of advice, pay your dues on time, all the time…