How to Get Credit When No One Approves You

If you have a bad credit score or little to no credit history, getting credit can prove challenging. If every credit card company has turned you down, you must first improve your credit score or establish credit history before applying again. There are ways in which you can get credit, and if you're diligent about making payments on time, you'll likely qualify for larger lines of credit in the future.

Instructions

1

Get a bank account. Although opening a bank account won't improve your credit score, you'll need one to apply for a line of credit. You can try asking your bank for a credit card after you've opened your account.

2

Apply for a gas card or a department store card. Getting a gas card or a department store card is typically much easier than getting other types of credit cards. Make sure the credit company reports to a credit bureau so there's record of your credit and good-standing.

3

Apply for a secured or "pre-paid" credit card. Pre-paid credit cards use money you've deposited into a savings account, much like a debit card. Not all pre-paid credit cards build credit or improve your credit score, so make sure the one you choose reports to a credit bureau.

4

Apply for a "bad credit" credit card. There are credit card options for people with low credit scores; some credit card companies have specific cards for people with little credit history or a poor credit score. If you qualify, always make your payments on time, as this will build your credit.