tips to build credit history

[heyjude]

Hi, I have just finished school and I don't have any credit history. How can I build credit? I don't really want to get a credit card. Any tips would be appreciated. Thanks

[sunshine]

You can get a Secured credit card. It is not really a credit card because you have a cash deposit and can't go over the limit. It is like a debit-credit card but it builds credit history. It is used mainly from people with no credit history or from people with bad credit.

[Canadian]

You should be able to qualify for regular credit card with a low limit and in your situation this seems like the easiest way to start building credit history. Why don't you want to get a credit card? Are you afraid that you cannot control your spending?

[heyjude]

Thanks for the tips! I appreciate it. I will go with the secured credit card first

[Lumber Joe]

Originally Posted by heyjude

Hi, I have just finished school and I don't have any credit history. How can I build credit? I don't really want to get a credit card. Any tips would be appreciated. Thanks

You can get secured offshore credit card for instance.

[Canadian]

Originally Posted by Lumber Joe

You can get secured offshore credit card for instance.

Why would I need an offshore secured credit card, if I can get a normal secured credit card from any of the big Canadian banks?

[trent]

Just go for a secured credit card with a low credit limit, and in a year or so after a good payment history, you should be able to get a regular credit card.

[jackbrennan76]

Thanks for the discussion. Its a nice thread about credit card for the new user. It help me a lot.
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