Chime Credit Builder Secured Visa® Credit Card
First Timers – credit card with no credit check to apply
- No annual fee or interest¹
- No credit check to apply
- No minimum security deposit required²
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Still have questions about
Chime’s credit card?FAQs
Are there credit cards for first-timers?
If you're a first-time credit card user, you can rest assured that there are credit cards out there for you. These first-time cards are usually easier to qualify for if you have a very low or no credit card history. Additionally, credit cards for first-timers often have simple rewards and low credit limits to help you build your credit history and financial education.
Is it better to use a credit card or debit card for first-timers?
Every credit card company has their own qualifications. Some basic criteria includes being at least 18 years old, having a stable income, and providing valid identification or your Social Security number. In most cases, meeting basic requirements, such as these, and choosing a card that fits your credit profile will help you qualify for a credit card that can help you out with car rentals. It's important to note, however, that you should also meet the requirements to rent a vehicle within your state in order to take advantage of the benefits of these cards.
Is it good to have a credit card for first-timers?
Having a credit card for the first time can be helpful if it's used responsibly. For example, credit cards are one of the easiest ways to start building your credit history, which will be important if you're ever looking to apply for a loan. Consistently making your payments on time assures potential lenders that your finances are stable, making you more likely to improve your credit scores.
How do I qualify for a credit card for first-timers?
Qualifying for a credit card as a first-time user is usually similar to qualifying for any other credit card. However, depending on the issuer, there may be some additional requests such as a security deposit, proof of income, debt-to-income ratio, or employment status.
What are the benefits of a credit card for first-timers?
Credit cards for first-time users often offer different benefits that are specifically catered to their needs. This could include support in building credit history, cash back incentives, and access to financial resources.