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To get a credit card with no credit, apply online for a starter credit card, student credit card or other type of credit card for people with limited credit history. By choosing a card designed for people with no credit, newcomers who are at least 18 years old with enough income to afford monthly bill payments will have good approval odds. “Credit cards are important for credit scoring because, unlike installment loans, a credit card gives you free will, and you decide how much you want to charge and pay each month,” Griffin says....