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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.

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Featured Articles:

Should you let your kid have his own credit card?

Fact: there is already an increase of teens and college students who have their own credit cards. Credit card companies now aim on the two groups since they are the ones who spend more money than adults.

Educate your child on how to manage spending with a credit card. Parents an even use instances in the present state of affairs as an example to discuss to kids the pros and cons of credit cards.

Smaller credit limits are usual with these types of cards and while it may be easy to apply for one, credit card companies charge large interest rates and fees to the teenage credit card holders.

People who are below 18 are not legitimate in obtaining credit cards without the consent of their parents. Unfortunately, some kids fill out forms and receive credit cards without the knowledge of their parents. To avoid this, talk to them and help them realize the importance of beginning a solid credit history with their first card. Emphasize that it is of utmost importance to their future.

As a parent, start by reading the guidelines with your child. Make sure you call to attention all the terms written on the fine print. Avoid coming to the rescue if the bills get way out of control. This will teach him to be responsible in handling his money. A credit card spent by a teenager and paid by his parents initiates bad credit habits

Let the child bear in mind that his credit card sho uld be used in emergencies only. Monitor ALL his spending activities. Some credit cards even allow the parents to create their own credit limit for the supplementary cards. This is very logical especially if you are too busy with your career.

Parents can help their kids spend sensibly with the correct use of credit cards. At this early stage, it is better to prepare them in the reality of life by teaching them not to abuse its benefits.