How to Get a Credit Card Without a Job

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The easiest way to get a credit card without a job is to go to college, and credit card companies are a fixture at college campuses. Learn about the high interest rates on credit cards for college students with advice from a registered financial consultant in this free video on money management.

Part of the Video Series: Personal Finance Tips
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Video Transcript

This is financial adviser, Patrick Munro, on how to get a credit card without a job. One of the most remarkable ways that an individual can get a credit card without a job, is common sense, go to college first, because you're getting your education, in order to acquire a skill set to do your job. Credit card companies are a permanent fixture at the college campus. The reason why they are there, is that they know that you have access to federally backed student loans, and cash accounts, and Stafford loans, and various other things that are a form of money, and then of course as a result, you have the ability to pay them back as well. The credit cards, interest rates that are on these credit cards at the college level, are normally higher than they would be, post graduation, but it is definitely a way for the individual who is seeking a career, and all that comes with a career, job responsibilities, and spending patterns, to receive a credit card, without a job. This is Patrick Munro, financial adviser, talking about how to obtain a credit card without a job.


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