How to Get a Credit Card Without a Job

A credit card makes online buying easy.

In today’s world, it’s difficult to purchase some items--like airline tickets or online merchandise--without a credit card. Unknown to many, having a job is not always a requirement for receiving a credit card. It may be a contributing factor in getting a bank card, but it isn't always a must have. Because most credit card issuers depend upon your credit score and your credit report instead of asking for income verification, you may be able to get a card without having a job.

Instructions

1. Start by applying for a store credit card. Major chain retailers--such as Macy's or Sears--issue these cards. You can apply for one in the store or pick up an application to fill out at home.

2. Sign up for a free membership card to a video store where your credit is not checked. Choose one where you needn’t list a place of employment to get a card. Once you receive the card, you can use the account as a reference when you apply for a real credit card.

3. Apply for a secured credit card through your bank. With a secured card, your payment activity will be gathered and reported to the credit unions to help you build credit. You will deposit a minimum amount of money into a secured account, and you may use your card to make purchases against that amount of money. Request that your bank issue credit statements monthly to build your credit quickly.

4. Ask a parent to cosign in order to get a regular credit card. If you want a good card with competitive rates, you can still receive one if your parents sign for you. This means they are financially liable if you default on a payment. Make sure you will be able to pay.

5. Get a high risk credit card that charges you a large up-front fee. This will be due with an initial purchase. This is a risky move for most people since the initial fees for these cards can run at hundreds of dollars. In addition, if you pay late, you could see a big rate increase.

6. Get a direct bank loan to establish your credit. A good credit rating is more important to card issuers than your income. Visit with your banker about taking a small consumer loan for a television, furniture or computer. Ask them to report your payments to the credit reporting agency.

Tips & Warnings

• Stop applying if you receive a credit rejection. Wait a couple of months before trying again. Every time a potential creditor checks your credit, your score drops. If you continue to apply for credit cards within a short period, your chances for approval decrease.