Originally Posted by
joshuadunlap
I am 21 years old and have grown up with teaching about not having credit cards and that they = debt.
Well, for many it is
I always pay off every card when it is due, so don't pay interest. I look at them as convenience cards - OK, used to, now I look at them more as way to get some bennies, as well as convenience.
This forum is more dedicated to folks who already have credit and want to maximize benefits, but hopefully someone can find a creative way for you to jump into credit without credit history.
I'll make a couple of suggestions:
Did you have a student loan that you were able to pay off.
Do you have money in checking / saving account?
Reason I ask is that your local bank may issue you a credit card since you have an account with them. It's a way to start building credit.
Not sure if this is still the case, but back when I got out of college my first card (back then they gave one to everyone) was for gas.
Oh, and welcome to FlyerTalk