Finance Articles

As a college student I had a very hard time getting my first credit card. Everywhere I went required that I had some sort of credit line or I had to have a co-signer. I felt like this was an unfair thing to do because I was a responsible person but the only way to prove that is if you already have a credit line. This is one reason why no credit credit cards are such a valuable thing.

No credit credit cards can be as simple as an online credit check, possible proof of employment and no stress of having a previous credit line. This is one way to join the rest of society. Credit cards are valuable because it keeps you from the stress of carrying cash around which can be dangerous. It also gives you the freedom to purchase something when you do not have the appropriate funds available at the time.

I have been in a situation where I had only zero credit. Persons who have been in such situations only can appreciate the value of no credit credit cards. Very few people are born with a silver spoon to inherit a premium credit line or any credit line at all. Hence, it is not necessary to feel bad about not having a credit history. I will be the first to approach any company offering a no credit credit card to make me feel comfortable and secure about the decisions I make.

It is not very pleasant to think of losing your credit card under any circumstances. I am unaware of anyone whose credit card has been stolen irrespective of his financial status. To start a great credit history on your own is quite hard and spending responsibly is a part and parcel of owning a credit card. As a consumer, one has to keep track of his credit history by carefully credit report monitoring in order to find out whether anyone else has touched your personal credit line.

As a college student I am in the typical stereotype with people who are irresponsible with money and unable to keep my purchasing under control. Not true for everyone. Most students who have this problem have someone behind them if they fall. I however do not and I also do not have someone there to cosign me if I need help. This is a very unfair situation. If it was not for no credit credit cards then I would be just out of luck.

A last minute bill, a broken down car, new novels, and all the confidence that you are financially secure is worth having and is only fair to be offered to everyone. Credit card do not give you the financial confidence you seek to make well planned and intelligent financial decisions for a long and productive life.