How To Get Credit for the First Time

Teenage girl presenting credit card

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Getting credit for the first time isn't always easy. Since you don't have credit established yet, it can be difficult to get approved for your very first account. Fortunately, there are some strategies you can use to build a solid credit history from scratch.

Apply at the Right Places

The best way for a beginner to get credit is to apply for a credit card targeted at people who are new to credit.

Your Current Bank

Having an established bank relationship gives you a foot in the door, so to speak. If you already have a checking or savings account, check to see if your bank has a credit product meant for someone with limited credit history. The bank may offer a student or secured credit card or a credit builder loan.

Retail Credit Cards

Getting approved for a retail credit card can be easier for those getting credit for the first time. Retail cards are store credit cards that can only be used at that store or a group of stores. However, the cards are issued by a bank. For example, the Gap Visa is issued by Synchrony Bank.

Although retail cards can be easier to obtain approval, they tend to have higher costs. For example, the interest rate—the cost of carrying a credit card balance—can be higher on retail credit cards. On the bright side, having a positive credit history with a retail credit card can help you qualify for a major credit card.


If you pay your balance in full each month, which is ideal, you won't pay any finance charges.

Secured Credit Card

You can also apply for a secured credit card. This is a type of credit card that requires you to make a deposit to receive a credit limit on your credit card. Some secured credit cards will convert to non-secured cards after several months of responsible use. Keep your account in good standing, and your security deposit will be returned to you when your account is closed or converted to a traditional credit card.

Most major credit card issuers offer a secured credit card, making it easy to compare offers. As you compare offerings, look for a secured credit card that has a low security deposit, low interest rate, and low or no annual fee.

Student Credit Card

If you're enrolled in college, a student credit card is another option for establishing your credit history. The application will ask for information about your college enrollment, including the year and expected graduation date, and may verify your enrollment status. You may only be approved for a low credit limit to start, but with responsible use, you can often qualify for higher credit limits.

Age Requirement

You'll need to be at least 18 to qualify for a credit card or a loan on your own. If you're under age 21, you'll have to provide proof of your income to show that you can afford to make payments on your credit card balance.


Teenagers under 18 may be added as authorized users of a credit card without a separate credit application or income verification.

What To Watch For

Don't be so eager to get started with credit that you make a mistake that hurts your chances of getting approved. Here are some things to keep in mind when applying for credit for the first time.

Avoid Multiple Applications

Each time you apply for credit, a record of the application is added as an inquiry to your credit report—a compilation of your credit history that plays a role in your ability to get approved. Too many inquiries in a short period of time can make it appear as if you are desperate for credit. Credit card issuers will be less willing to give you a credit card.

Watch for Scams

Be wary of credit card offers that guarantee approval regardless of your credit history. Offers like this are usually credit card scams that end up costing much more than you spend.

Use Credit Wisely

Avoid taking on more credit than you can afford to repay. Making your payments on time each month is also key to building your credit so you can qualify for better credit cards and loans in the future.

Start Small

Taking on too many credit cards at once puts you at risk of creating more debt than you can afford to repay. Starting out with just one credit card is typically best. Then, apply for new credit only as needed.

Key Takeaways

  • Look for your first credit card in places that cater to consumers who are just started out with credit.
  • Be prepared to show proof of income to qualify for a credit card if you're under age 21.
  • Using credit responsibly will allow you to build your credit so you can qualify for better credit cards in the future.
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The Balance uses only high-quality sources, including peer-reviewed studies, to support the facts within our articles. Read our editorial process to learn more about how we fact-check and keep our content accurate, reliable, and trustworthy.
  1. The Gap Inc. "Rewards Program FAQ, Cardmember Specific Questions, Q: Where Can I get Information about my Account?"

  2. Consumer Financial Protection Bureau. "Can a Card Issuer Consider My Age When Deciding Whether to Issue a Credit Card to Me?"

  3. Fair Isaac Corporation. "Credit Checks: What Are Credit Inquiries and How Do They Affect Your FICO Score?"

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