Having a good credit standing makes it easier to be approved for credit cards or loans. People with good credit normally get better interest rates, too. A credit history shows the financial company whether or not an individual is likely to pay their debt. Fortunately, it is still possible to get a credit card without a credit history.

You Must Have a Job

The credit card company needs to know if you're capable of paying a credit card debt. Having a job helps alleviate this concern. To qualify, the income must be yours and not from your parents or spouse. So, it is a good idea to get a job before applying for a credit card. The higher the income, the more likely you are to be approved.

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Consider a Co-Signer

Having a co-signer with good credit standing works to your advantage. You can benefit from their good credit and will likely get approved. You can have your parents, partner, or another trusted party co-sign your credit card application. Just remember -- your co-signer will be able to see all of your purchases and other financial transactions.

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Obtain a Secured Credit Card

A secured credit card is a card that requires cash collateral. The amount of money deposited to your account could be your credit limit, too, or a percentage of it. Paying your secured card debt can be an effective way to build credit and help you qualify for a traditional credit card. Before applying for a secured credit card, find out how much the bank charges for the application fees, annual fees, and other extra costs. Some may charge higher fees than the others.

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Acquire a Student Credit Card

Anyone with proof of income or a co-signer may qualify for a student credit card. They're the same as traditional credit cards but with lower credit limits. Like a credit card, the cardholder may also get perks such as bonuses or cashback rewards. The only downside to obtaining a student credit card is it may have higher interest rates. If you're considering this option, make sure you can pay off your debt in a timely manner.

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Have Another Source of Income

Although your salary may suffice, it's always better to have other sources of income. Consider getting other jobs. Be creative and resourceful. There are numerous opportunities that even let you work from home in your free time. Money-making opportunities supplement your proof of income and may help you acquire a credit card.

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Start Building Up Your Credit History

A good credit score is your ticket to credit card and loan approvals. If you have no credit history, start building one by ensuring regular payments such as bills are in your name and paying everything on time. Settle all your dues as much as possible to have a good credit score.

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Be an Authorized User of a Credit Card

One way to get approved for a credit card is to become an authorized user of a cardholder that pays credit card debt on time. Remember, if they fail to comply with their financial obligations, your credit report is negatively affected. It is also important to note that not all credit card companies report authorized users' credit habits, so don't forget to check on this. If you're a student, you may be able to become an authorized user on your parents' account.

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Get Pre-Qualified for a Card

Although it doesn't guarantee approval, pre-qualifying for a credit card allows you to find out whether a card fits your financial status or credit profile. Pre-qualifying for a card is a soft credit check, which is a good thing as it won't appear on your credit report. Credit card companies do consider various factors when approving credit card pre-qualifications, so other issues beyond lack of credit could adversely affect you.

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Sign Up For a Store Credit Card

Most retail stores that offer credit cards to customers may approve applications for those without credit. The credit limit may not be that high and you only get to shop at that particular store. However, it is a chance to start building good credit. When you do get approved, it's important you pay it off quickly. Retail stores often charge higher interest rates.

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Find a Credit Card Company That Doesn't Require a Credit History

When you consider this option, do thorough research. Before sending out your credit card application, make sure you have already checked how much that company is charging their cardholders. Do a comparison of the fees involved before applying. Also, avoid sending out several applications to credit card companies. Remember -- when you get denied, it will show up on your credit history.

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