2. Visit your local bank, credit union or savings establishment since if you already are their regular client, your chances of getting a credit card from them is high. 3. If everything fails, request for an unsecured credit card. Here, you are obligated to start and keep up a savings account; this serves as guarantee for your credit line, wherein it is determined by a certain percentage of how much your deposit is. 4. You can request your friend or a certain family member that he/she will co-sign you for your credit card. Take note your friend’s credit also counts; select somebody having a very good credit. Be sure though, to be responsible since at such time that you won’t be able to repay your loan, they will have to pay it for themselves, and otherwise it will show on their rating and you can damage it.

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