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Credit history can be described as a report that documents everything related to your credit i.e. how you managed or are managing your credit. The history includes borrowing and repayment information of loans and credit card debts. A credit history is the one major factor used to determine an individual’s credit score and tell whether you are creditworthy or not. Without a credit history therefore, it can be very hard and frustrating to secure a credit card.

If you wish to apply for a credit card with no credit history, your first course of action should be to establish an initial credit history. This can however still be hard because nobody is willing to extend any to you. First you have to understand what the credit card issuers want. With no credit history, there is no FICO score to look at. Therefore, other things that can help secure you a credit card with no credit history is a) your bank account. Even though the account is not reflected on the credit bureaus, its history can be very instrumental when lenders think of giving you a credit card with no credit history.

b) Your employment history can also help you secure credit card with no credit history backing you. Lenders will typically want to see whether you can hold a job for long or if there are periods you have had of unemployment. The simple idea that you can hold a job and are trusted by employers can improve your likelihood of getting approved for a credit card with no credit history.

The other way you can get a credit card with no Credit history is to secure it. What this means is that you put an asset as collateral and link it to the account that the credit card issuer can take if you fail to make your payments. Property or a car can act as good collateral. Secured credit card however should be your last resort, although it is easier to obtain than unsecured one.

With that said, once you are approved for your credit card with no credit history, you need to use the card wisely and be much disciplined. You should treat the card only as a means to establish a good credit and not as free money. Once you get approved, it is very important to maintain a good and positive payment history on the card so that you can build your credit history.