{"id":9049,"date":"2022-05-31T06:23:43","date_gmt":"2022-05-31T06:23:43","guid":{"rendered":"https:\/\/droidweekly.com\/how-to-get-a-credit-card-for-the-first-time-answer-2022\/"},"modified":"2022-05-31T06:23:43","modified_gmt":"2022-05-31T06:23:43","slug":"how-to-get-a-credit-card-for-the-first-time-answer-2022","status":"publish","type":"post","link":"https:\/\/droidweekly.com\/how-to-get-a-credit-card-for-the-first-time-answer-2022\/","title":{"rendered":"How To Get A Credit Card For The First Time &#8211; [Answer] 2022"},"content":{"rendered":"<div class=\"entry-content clear\" itemprop=\"text\">\n<p>Answer<\/p>\n<p>There are a few things you need to do in order to get your first credit card. First, you need to be at least 18 years old and have a valid ID. You\u2019ll also need to have a steady income and a good credit score.<\/p>\n<p>Once you\u2019ve met those requirements, you can start looking for a credit card that\u2019s right for you. There are a variety of options available, so it\u2019s important to compare different cards and find one that fits your needs.<\/p>\n<h2>Getting Your First Credit Card<\/h2>\n<figure class=\"wp-block-embed is-type-video is-provider-youtube wp-block-embed-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\">\n<div class=\"wp-block-embed__wrapper\">\n<div class=\"ast-oembed-container\" style=\"height: 100%;\"><iframe loading=\"lazy\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\" allowfullscreen=\"\" frameborder=\"0\" height=\"675\" src=\"https:\/\/www.youtube.com\/embed\/NqIuOOaUypM?feature=oembed\" title=\"Getting Your First Credit Card\" width=\"1200\"><\/iframe><\/div>\n<\/div>\n<\/figure>\n<h2>How do I get a credit card for the first time?<\/h2>\n<figure class=\"wp-block-embed is-type-video is-provider-youtube wp-block-embed-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\">\n<div class=\"wp-block-embed__wrapper\">\n<div class=\"ast-oembed-container\" style=\"height: 100%;\"><iframe allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture\" allowfullscreen=\"\" frameborder=\"0\" height=\"675\" loading=\"lazy\" src=\"https:\/\/www.youtube.com\/embed\/F7vE2zp2EO8?feature=oembed\" title=\"How do I get a credit card for the first time?\" width=\"1200\"><\/iframe><\/div>\n<\/div>\n<\/figure>\n<div class=\"schema-faq wp-block-yoast-faq-block\">\n<div class=\"schema-faq-section\" id=\"faq-question-1646501104943\"><strong class=\"schema-faq-question\">Is getting a credit card at 18 a good idea?<\/strong> <\/p>\n<p class=\"schema-faq-answer\">There is no one-size-fits-all answer to this question, as the decision of whether or not to get a credit card at 18 will depend on the individual\u2019s financial situation and credit history. However, generally speaking, getting a credit card at 18 can be a good idea, as it can help young adults build a credit history and learn how to use credit responsibly.<\/p>\n<\/p><\/div>\n<div class=\"schema-faq-section\" id=\"faq-question-1646501148708\"><strong class=\"schema-faq-question\">How can I build my credit at 18?<\/strong> <\/p>\n<p class=\"schema-faq-answer\">There are a few things you can do to build your credit at 18:<br \/>Get a credit card and use it responsibly.<br \/>Get a loan and make your payments on time.<br \/>Use a credit monitoring service to keep track of your credit score.<br \/>Keep your credit utilization low.<br \/>Don\u2019t open too many accounts at once.<\/p>\n<\/p><\/div>\n<div class=\"schema-faq-section\" id=\"faq-question-1646501148573\"><strong class=\"schema-faq-question\">How can I build my credit at 18 without a credit card?<\/strong> <\/p>\n<p class=\"schema-faq-answer\">There are a few things you can do to build your credit at 18 without a credit card. One option is to get a secured credit card. With this type of card, you put down a deposit that serves as your credit limit. This can help you build your credit history and improve your credit score. Another option is to get a loan or line of credit from a bank or credit union. This will also help you build your credit history and improve your score.<\/p>\n<\/p><\/div>\n<div class=\"schema-faq-section\" id=\"faq-question-1646501148438\"><strong class=\"schema-faq-question\">Can you get a credit card with no money?<\/strong> <\/p>\n<p class=\"schema-faq-answer\">There are a few ways to get a credit card with no money. One way is to get a secured credit card. A secured credit card is a credit card that requires a security deposit. The security deposit protects the credit card issuer in case the cardholder does not pay their bill. Another way to get a credit card with no money is to get a cosigner.<\/p>\n<\/p><\/div>\n<div class=\"schema-faq-section\" id=\"faq-question-1646501148293\"><strong class=\"schema-faq-question\">Can a 17 year old get a credit card?<\/strong> <\/p>\n<p class=\"schema-faq-answer\">Yes, a 17 year old can get a credit card. The best way to start building credit is by getting a secured credit card. A secured credit card is a card where the user deposits money into a savings account that is then used as collateral for the credit limit on the card. This is a good way to start building credit because it shows that you are responsible with your money and can handle debt.<\/p>\n<\/p><\/div>\n<div class=\"schema-faq-section\" id=\"faq-question-1646501148125\"><strong class=\"schema-faq-question\">How do you get a credit card if unemployed?<\/strong> <\/p>\n<p class=\"schema-faq-answer\">There are a few things you can do to get a credit card if you are unemployed. One option is to get a secured credit card. This type of card requires you to put down a security deposit, which will be your credit limit. Another option is to get a credit card with a low limit. This type of card may be easier to get approved for, and it can help you build your credit score.<\/p>\n<\/p><\/div>\n<div class=\"schema-faq-section\" id=\"faq-question-1646501147964\"><strong class=\"schema-faq-question\">Is 700 a good credit score for a 19 year old?<\/strong> <\/p>\n<p class=\"schema-faq-answer\">700 is a good credit score for a 19 year old. It\u2019s important to start building your credit history early, so you can enjoy the benefits of a good credit score when you need it later in life. There are a few things you can do to improve your credit score, like paying your bills on time and keeping your credit utilization low.<\/p>\n<\/p><\/div>\n<div class=\"schema-faq-section\" id=\"faq-question-1646501147821\"><strong class=\"schema-faq-question\">What is a starter card?<\/strong> <\/p>\n<p class=\"schema-faq-answer\">A starter card is a credit card that is intended for people who are new to credit or have a limited credit history. Starter cards typically have low limits and high interest rates, so they should only be used as a last resort.<\/p>\n<\/p><\/div>\n<div class=\"schema-faq-section\" id=\"faq-question-1646501147677\"><strong class=\"schema-faq-question\">What\u2019s my credit score if I just turned 18?<\/strong> <\/p>\n<p class=\"schema-faq-answer\">Your credit score will be based on your credit history. If you have no credit history, your score will be based on information in your credit report, such as your payment history and the amount of debt you owe.<\/p>\n<\/p><\/div>\n<div class=\"schema-faq-section\" id=\"faq-question-1646501147524\"><strong class=\"schema-faq-question\">What credit score do u start with?<\/strong> <\/p>\n<p class=\"schema-faq-answer\">There is no one answer to this question since your credit score starts at a different point depending on your credit history. However, in general, you start with a credit score of around 600. This is because the Fair Isaac Corporation (FICO) credit scoring model starts with a base score of 600 and then adjusts it up or down depending on your credit history.<\/p>\n<\/p><\/div>\n<div class=\"schema-faq-section\" id=\"faq-question-1646501147372\"><strong class=\"schema-faq-question\">How long does it take to start credit?<\/strong> <\/p>\n<p class=\"schema-faq-answer\">It depends on your credit score and credit history. If you have a good credit score, you can usually get a credit card within a few days. If you have a bad credit score, it may take weeks or months to get approved for a credit card.<\/p>\n<\/p><\/div>\n<div class=\"schema-faq-section\" id=\"faq-question-1646501147212\"><strong class=\"schema-faq-question\">What reasons might an 18 year old have for his\/her thin file?<\/strong> <\/p>\n<p class=\"schema-faq-answer\">There are many reasons an 18 year old might have a thin file. They could have just moved, not had time to open a new account, or not had the opportunity to do so. They could also be a student who doesn\u2019t have a lot of extra money to spend on unnecessary things like banking.<\/p>\n<\/p><\/div>\n<div class=\"schema-faq-section\" id=\"faq-question-1646501147045\"><strong class=\"schema-faq-question\">What is the minimum age for credit card?<\/strong> <\/p>\n<p class=\"schema-faq-answer\">The minimum age for a credit card is 18.<\/p>\n<\/p><\/div>\n<div class=\"schema-faq-section\" id=\"faq-question-1646501146869\"><strong class=\"schema-faq-question\">Can you get a credit card at 13?<\/strong> <\/p>\n<p class=\"schema-faq-answer\">Yes, you can get a credit card at 13 as long as you have a job and can prove that you can afford to pay your monthly statement. Credit card companies usually want their customers to be at least 18 years old, but there are a few that will issue cards to minors if they can prove that they are responsible and have a good credit history.<\/p>\n<\/p><\/div>\n<div class=\"schema-faq-section\" id=\"faq-question-1646501146687\"><strong class=\"schema-faq-question\">What is the average age of a first time credit card holder?<\/strong> <\/p>\n<p class=\"schema-faq-answer\">The average age of a first time credit card holder is about 26, according to a study by the Federal Reserve. The study found that the median age for a first-time credit card user was 26, and that the most common age range for first-time users was 25 to 34 years old.<\/p>\n<\/p><\/div>\n<div class=\"schema-faq-section\" id=\"faq-question-1646501146165\"><strong class=\"schema-faq-question\">What score is good credit?<\/strong> <\/p>\n<p class=\"schema-faq-answer\">There is no definitive answer to this question, as different lenders may have different standards for what they consider to be good credit. Generally speaking, a credit score of 700 or above is considered to be good credit. However, it\u2019s important to remember that your credit score is just one factor that lenders will look at when considering your application for a loan or credit card.<\/p>\n<\/p><\/div>\n<div class=\"schema-faq-section\" id=\"faq-question-1646501145998\"><strong class=\"schema-faq-question\">How long does it take to get a 750 credit score?<\/strong> <\/p>\n<p class=\"schema-faq-answer\">There is no definitive answer to this question as it depends on a variety of factors, including your credit history and current credit score. However, if you have a good credit history and are diligent about paying your bills on time, you could see a 750 credit score within six months to a year.<\/p>\n<\/p><\/div>\n<div class=\"schema-faq-section\" id=\"faq-question-1646501145814\"><strong class=\"schema-faq-question\">What does a zero credit score mean?<\/strong> <\/p>\n<p class=\"schema-faq-answer\">A zero credit score means that you have no credit history. This may be because you are a new borrower, or because you have not borrowed money recently. A zero credit score can make it difficult to get a loan or credit card.<\/p>\n<\/p><\/div>\n<\/p><\/div>\n<p><!-- AI CONTENT END 1 -->\n<\/div \n\n","protected":false},"excerpt":{"rendered":"<p>Answer There are a few things you need to do in order to get your first credit card. First, you need to be at least 18 years old and have a valid ID. You\u2019ll also need to have a steady income and a good credit score. Once you\u2019ve met those requirements, you can start looking &#8230; <a title=\"How To Get A Credit Card For The First Time &#8211; [Answer] 2022\" class=\"read-more\" href=\"https:\/\/droidweekly.com\/how-to-get-a-credit-card-for-the-first-time-answer-2022\/\" aria-label=\"More on How To Get A Credit Card For The First Time &#8211; [Answer] 2022\">Read more<\/a><\/p>\n","protected":false},"author":2,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[],"tags":[],"jetpack_featured_media_url":"","_links":{"self":[{"href":"https:\/\/droidweekly.com\/wp-json\/wp\/v2\/posts\/9049"}],"collection":[{"href":"https:\/\/droidweekly.com\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/droidweekly.com\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/droidweekly.com\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/droidweekly.com\/wp-json\/wp\/v2\/comments?post=9049"}],"version-history":[{"count":0,"href":"https:\/\/droidweekly.com\/wp-json\/wp\/v2\/posts\/9049\/revisions"}],"wp:attachment":[{"href":"https:\/\/droidweekly.com\/wp-json\/wp\/v2\/media?parent=9049"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/droidweekly.com\/wp-json\/wp\/v2\/categories?post=9049"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/droidweekly.com\/wp-json\/wp\/v2\/tags?post=9049"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}