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/biz/ - Business & Finance

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54332966 No.54332966 [Reply] [Original]

I'm 30 years old and I have no credit report. How do I build credit if I'm not eligible for credit cards.

>> No.54332981

>>54332966
Get a secured card from your bank, use it to pay bills and set it to autopay down the full amount every month BEFORE your due date. Wait a year, your credit will be sitting around 750.
Simple as

>> No.54332991

>>54332966
Surely you are able to procure a credit card with a low spending limit? I received my first credit card as an adolescent and I wouldn't have had any sort of credit history at that time. The credit card had a $1000 dollar limit - although, perhaps I was approved because my savings account had $15,000? Nonetheless, you can try enquiring about being approved for a simple credit card with a low limit.

>> No.54333028
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54333028

>>54332981
Thank you fren, I appreciate it

>>54332991
I have no credit report so I can't apply for any credit cards that are unsecure

>> No.54333060

>>54332966
Capital one do credit cards for people without any history. Just buy a McDonalds on it once a month and pay your bill on time/early and you'll build credit. Get hold of your credit file and keep track of everything.