Can I get approved with no credit history?

Ugh, tell me about it! Trying to get approved for credit with no credit history? It’s like, what, am I supposed to just poof have good credit appear out of nowhere? It’s so frustrating! I remember when I first tried to get a credit card – total nightmare. Felt like I was hitting a brick wall everywhere I turned.

It is definitely harder without any history, no doubt. But don’t lose hope! It can be done. Seriously.

One thing that helped me? Secured credit cards. They’re kind of a pain, I’ll admit, because you basically have to put down a deposit that acts as your credit limit. It’s like, I’m giving you money to prove I can handle money? Makes no sense! But hey, it works. Think of it as a necessary evil. I used one for about a year, always paid on time, and then bam! I was able to get a regular, unsecured card.

Oh! And if you’re a student, definitely look into student credit cards. They’re often easier to get approved for than regular cards. I had a friend in college who did that, and it really helped her build her credit. She even got a little cash back reward, which was a nice bonus, right?

It’s a slow process, building credit from nothing. I won’t lie. It takes time and patience. But you absolutely can do it. Just keep chipping away at it, and eventually, you’ll get there. You so got this!