First Time Credit Card – No Credit History

Learn how to get your first credit card when you have no credit history from Clearpoint Credit Counseling Solution’s “Financial Firsts” video series.

Getting a first credit card is a major financial first in the lives of many people. But without any credit history, it can be difficult. If not handled properly, it can be the start of serious credit and debt issues. There are many credit card offers that make fantastic sounding promises of low interest, no interest, points programs, etc. But if a credit card deal sounds too good to be true, it probably is.

Understanding some basic principles about lending and credit will provide you with the tools you need to make choosing your first credit card a positive one. You may wish to look at a secured credit card, which helps you establish credit.

There have been some changes in the credit industry lately that are making it easier for young people to get a credit card and build credit scores. For example, utility payments like electricity can now count toward your credit history. Read more here:

Consider a free consult with representative from Clearpoint Credit Counseling Solutions, a non-profit credit counseling agency, before you sign on for more credit card than you can handle. To learn more, please visit the Clearpoint Credit Counseling Solutions website:

Clearpoint Credit Counseling Solutions
8000 Franklin Farms Drive
Richmond, VA 23229
(800) 750-2227

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