how do i get a credit card if i don t have any credit 
building credit history can be a bit of a catch 22 if you don t have any credit merchants or banks are less likely to extend credit to you since you re an unproven borrower opening a secured credit card is one of the simplest ways to get started since spenders are only borrowing from the money they put down as a deposit there is little risk for the lender and it gives them a snapshot of your spending and repayment habits another way to start building credit is to become an authorized user on an established credit account such as a parent or spouse the cardholder s credit history will appear on your account adding longevity to your credit report but be sure that the person with whom you partner has good credit habits if their financial choices are poor that will also reflect on you 2