How to obtain cc's, when you have no credit.

[Anonymous]

I've recently devoted ALL of my cash to becoming debt free (even went out and got a second job... *cabbage patch*) and so far its working out extremely well. I've been "snowballing" for only a month now, and I have three cards down and four to go. So naturally with all of my excitement towards credit, I want to help get my partner in the right financial state of mind. Only thing is, she has just about no credit. I even sat with her and filled out a few cc apps online that was supposed to be for ppl with little or no credit, but nada. No one wants her. So I guess what I'm asking is... how do you get credit when you have none?

[haulingthescoreup]

If she shares your address (I'm guessing by "partner" that she doesn't share your name), you can add her as an authorized user (AU) on a couple of your cards. The older the better, plus clean history and low or no util.

Also, she should look into joining a credit union. She might be able to get a secured card or even a non-secured card in exchange for opening an account there. CU's are great for people in her situation.

[Creditaddict]

I believe Citi will still issue a card with no credit.