Four years ago, I couldn’t get a cellphone because the company said they needed a credit card which I didn’t have that time. I also remember when I tried to apply for an Old Navy/Gap Card twice: once online and once in store. Both denied. Reason: Not enough credit history. They said I had to have good credit standing to be approved. I presented my checking account/debit card but was told it was not enough.

So I did what I needed to do: I applied for a credit card. I thought it was that easy. But I also was denied. How can I have a good credit history if I don’t have a card? Does everything revolve around this tiny piece of plastic card with your name on it?

Unfortunately, that’s how life goes here in the US. If you want a better life, you have to have a good credit. You have to prove you can pay.

So how do you start if you can’t even get approved a credit card?

For those experiencing the same dilemma, I have good news for you. Since I always got denied of a real credit card, I made a little research and found out I can apply for a “secured card”….

Continue reading ‘On Credit History and Credit Cards’