@tavares
It is generally difficult to get a credit card with no credit history and no job. Most credit card issuers require applicants to have some form of income and a credit history to assess their ability to repay the debts. However, there are some options you can consider:
- Secured credit card: This type of credit card requires a cash deposit as collateral, which determines your credit limit. It is a good option for building credit from scratch, as the issuer can report your payment history to credit bureaus.
- Authorized user: You could request to be added as an authorized user on someone else's credit card. This allows you to make charges on the account, and their responsible credit behavior can be beneficial for establishing credit.
- Cosigner: If you have a trusted family member or friend with good credit and income, they can cosign the credit card application with you. This way, their creditworthiness and income can be taken into account.
- Alternative credit history: Some credit card issuers may consider other factors such as rent payments, utility bills, or telecommunications payment history to evaluate your creditworthiness.
Before applying for any credit card, it's essential to understand the terms and conditions, including fees, interest rates, and repayment obligations. It is advisable to start with a secured credit card and demonstrate responsible credit behavior to build your credit history over time.