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Step 1
Establish a checking or saving account or both with your local bank. Make regular deposits with them for at least six months.
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Step 2
Apply for a credit card with this same bank. Tell them this will be your first credit card and make sure they note your active account.
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Step 3
Choose a department store or gas station credit card if your local bank turns you down. The requirements for these cards are less strict than bankcards so you have a better chance of obtaining one of them.
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Step 4
Open a secure credit card account using a company such as Credit-land.com. You deposit a set amount of money, from three hundred dollars up, into the bank or credit card company, and that is your line of credit. If you do not pay back the debt, the company will take the money from your account.
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Step 5
Pay your credit card bill on time in full every month. After six months, ask the secure credit card company to change your account to unsecured or apply for an unsecured card from another company with better terms.
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Step 6
Pick a company that offers credit cards to people with bad credit or debt issues such as Creditcards.com. The terms will not be favorable, but you should get the card. Pay the bill in full for six months and then negotiate a better rate or apply to another company with better terms.
