[malachi69]

I am still in college. I was wondering what everyone else did to establish credit. So far I have gotten a cell phone to boost my credit score. I tried applying for a credit card but I was rejected due to the fact that I have no credit at all. Having no credit is just an bad as having bad credit it seems. Anyone have any good advice to help me build some good credit?

[Frozenfox]

There are a few ways to get a credit card if you have no or little credit. One: you qualify for a "student credit card' they are available to established students but they have a higher interest rate and lower limits.

The other way would be to go to you local bank/credit union and ask for their line of card. Every bank usually has their "Brand" of Visa. Then offer to put a 1000$ into a term deposit at their branch to use as security for a $500 dollar limit Visa. After a year you can withdraw your term and increase the limit of your visa. That is what I did to aquire my visa.