A credit card is an important part of your financial life.It provides continous and easy access to credit at no cost(If you pay it back on time).

To get a credit card you will need a credit score which means you will need to have had at least 1 active account on your credit file for 6 months.🚫 Most credit card issuers know this and they have made a specific credit card for this use case🙄😁 but you will need to at least have a job with enough income to cover your credit card monthly limit.(Although in some cases, income from your parents or student finance will cover this & in some cases you aren’t even required to have any verifiable income)😃🤔.

The cards available for people without any credit are rightly called “no credit credit cards”.

When looking for “no credit“ credit cards you should ensure you prequalify for these cards before applying.

Your route🙋‍♀️🙋🏼‍♀️ to a credit card could be:

Get a student credit card.

Student credit cards👩‍🎓👩🏽‍🎓 are usually offered via your student bank account and you will know if you prequalify before applying. There is no guarantee that this will be the best rates for you so it is always worth checking with a credit card matching solution.

Get a store credit card.

Store credit cards are given out like candy and that’s because they have incredibly high-interest rates.📈📈

Get a secured credit card🔒🔐.

Secured credit cards essentially require you to put a deposit down before you can get the card. The deposit is usually a percentage of the credit limit being given to you. Just ensure your secured credit card is at least reporting your credit history to all credit bureaus.🏢🏤🏛

This option is probably the last ditch save. If you can’t get approved for any of the above then a cosigner might just get you a credit card but your credit files are now linked for the time being and this means that any negative behaviour on your side will affect your cosigner and vice versa.

Get a credit builder credit card

Credit builder credit cards are built for poeple with little credit histories and little income. They will usually hav every low credit limits but ifyou display good credit behaviour over a sustained period then you will likely receive a higher credit limit as reward.


Avoid putting in a lot of credit card💳 applications. If you’re turned down for a major credit card, even if it’s a student credit card, don’t keep applying. Instead, look for a store credit card or a secured credit card or any other credit card were you are already preapproved. Choose these credit cards ahead of time, so you’re not desperately searching for a credit card that will approve you.💡💡💡

If you need financial advice and you live in the UK then you could contact the Money Advice service over the phone or via chat for impartial advice.

You can also contact the debt charity “Step Change” if you are in debt and need help.

John Bate

John has 22 years of experience in financial services. This spans across financial research, financial services (As a qualified mortgage broker and underwriter), financial trading and sales at global investment banks. While working as a publishing research analyst, he covered European bank credit and advised institutional clients on investment strategies at both JP Morgan and Societe Generale. John has passed all three levels of the CFA (Chartered Financial Analyst) programme.