Life can be difficult without a credit card if you want to rent a car or buy things from websites. You're also forced to carry cash to stores unless you have a checking account, and you can't easily finance large purchases. Most credit card companies won't open an account for you if you have no income, but some will give you a special type of card that gives you more financial flexibility.
Save or borrow at least $200. This is difficult when you have no money coming in, but it's necessary to get a credit card when you have no income source. This money is used to assure the card issuer that it will be repaid even if you default on the account. Most banks require a minimum of $200. Your credit limit is equal to the money you put up for security, so more money means a higher limit.
Review the terms of several secured credit card issuers. The Bankrate financial website explains that a secured card uses a deposit from you to guarantee the account. This allows the bank to give accounts to high-risk borrowers, including people with no income. Some secured card issuers charge high fees and interest rates, so use a comparison website like creditcards.com to compare them.
Choose the bank with the best secured credit card terms and fill out an application. The bank will give you instructions for depositing your money in a savings account. It must remain in the account for as long as you have the secured card so the bank knows it won't lose money even though you have no income source.