5 Top Credit Cards for People with No Credit - Designed for Students and New Immigrants

Getting the first credit card is not that difficult if you know how to do it right. You may be still in college and do not have a job yet. Or you may be just immigrating into this country. You should start with these 4 credit cards which are specifically designed to help students and new immigrants build credit.

As the New Federal laws impose restrictions on issuing credit cards to individuals under 21 unless the applicant has the independent ability to repay debt, or has an adult co-signer who agrees to accept joint liability for the account. That means starting October 1, 2011, you can't qualify for a credit card using mom and dad?s income, even if they're going to pay your credit card bill. Applicants under 21 without their own income can only get a credit card with a co-signer over 21 who do have the right income.