I friend contacted me the other day and said he could not get a credit card. I asked him why so and found that the reason was very simple, he had no credit built up with anybody. There was no credit history on file at all. Now, what do you do in a case like that? I would suggest that the easy way out of this one is to talk to your Bank.
If you have been using the same Bank for your personal banking over a period and more than a year, chances are that they will give you a card with low limit and a rather high interest rate. It is possible to have that changed after a period of time providing that you use the card with smarts. If you pay your bill in time and also avoid overdraft chances are that they will reduce the rate after a few months and also increase your limit on the card.
An other way of getting a card is to get credit reference form your utilities companies and other companies that you are dealing with on a regular basis. If you have been paying your bills on time chances are that they will give you a good credit reference.
When you get your Credit Card and the ball is rolling watch out of the people that are going to be calling with offers about Credit Cards with low interest and all kind of goodies attached. Most of these are scams just wanting to get you into a bind.
It becomes a new experience with the budgeting and also watching your spending. I wish you best of luck.