Financial Challenges Support Group
This community is for people who are struggling to meet financial obligations of any kind. Financial challenges include everything from the day-to-day challenges of making ends meet to managing credit card debt to bankruptcy. Get support from others who are going through similar obstacles on the road back to financial stability.
I want to build my credit. The problem is, I have no job. I am a mom and a wife and most of our credit cards are my husbands. I would really like to get my own card (even if its a super low line) without him, but how do I do that?
deleted_user
I noticed no one has answered im assuming,Its cause they dont know ,tell ya the truth I dont know but im pretty sure you must first have a income to declare to a credit card before they can offer you a line of credit
deleted_user
A secured card might be the best bet in your situation, you put up the money in advance and thats your limit after a while they will start to give you a higher limit and it shows on your credit report
deleted_user
it is a company called Orchard bank. i was in your position & that is what i did. they make you put up 200 dollars at first, but thats for the bank account which you always have. so basically you get to keep the 200 and it is just insurance for them incase you do badly with your card. i got a $200 limit & it was my first card ever. the secret is: (ONLY if you can afford it) max it out as much as you can (your limit) and pay it IN FULL. my credit score soared, and i got credit card offers in no time. i really hope this was helpful!
deleted_user
Thanks so much. I had never heard of that before. I will be looking into that.
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