No credit history? - no problem! There are quite a number of steps to take to start your own credit file so as to be able to make the best credit card deals in future. But there's a rub here, however. To be able to apply for a credit card and arrange a credit card deal, you are supposed to already have credit, and a positive one, to show to your moneylenders as a sign of your creditworthiness. In other words, you are to have credit history which, paradoxically enough, you cannot start without credit.

Do not be frustrated as we'll tell you about a few really simple ways, besides credit card deals, of establishing credit.

If you do not have a credit card, you can show your creditworthiness by finding a good, stable job with a good income. Remember that signs of stability are also meaningful so, try to maintain your job for as long time as possible. If you want to demonstrate to creditors that you really have money and know how to manage it skillfully, you may consider opening a checking or a saving account and pay for your bills accurately on time. Utility accounts might also be an option but most likely you'll be required to make a deposit which acts discouragingly on you. Opening utility accounts and paying your bills on time doesn't start your credit history but it shows to creditors that you are consistent and reliable in money management.

The last step to take before filling out an online credit card application is to erase possible mistakes contained in your credit report if you have it. For this, address to the 3 credit reporting agencies (TransUnion, Equifax and Experian ) and see if the information is accurate. To have access to top credit card deals, especially unsecured credit card offers, you need to have your credit report stainless.

All this being done, you can look through all the best that is out there among credit card offers and choose a credit card most suitable for your spending habits, material needs and lifestyle on the whole.

Your first credit card deal

After all these small steps aimed at creating a picture of you as a good investment, you can now move on to applying for a special credit card with no credit history and making your first serious credit card deal. For your choice are unsecured credit cards, which require a good financial standing, best secured credit cards from First PREMIER Bank and Orchard Bank which imply a beforehand deposit and credit cards with the assistance of a co-signer. You can also be eligible for gasoline credit card or retail credit card easier to qualify for. With all these credit card offers you start your credit history and how strong and favorable you build it depends on simply following the basic rules of credit management.

So, no matter what consumer category you belong to and what purpose you arrange the credit card deal for, you are strongly advised to follow the rules:

• Show you are consistent and reliable in your credit card management - pay your bills in full and on time;

• Never use more credit cards than you can manage. Too many cards (more than 4 to be more exact) may lead to the excessive credit use and end up in a gross debt.

• Use your credit card only in case of real necessity as using too much credit just because it's easy to obtain will inevitably spoil your credit score.

• Do not pay only the minimum of your monthly bill as it may draw suspicion in your creditworthiness and will take forever to pay off all your balance. Also, never exceed the credit limit on your card. It would be just perfect if you keep within 30 % of your balance limit.

Now, let's have a look at a different situation. You have had a credit for some time already and thus, there is a credit record and a certain credit history. But a number of late payments and you are facing a credit failure. As a result you find yourself unable to apply for a credit card with which you planned to make a credit card deal. In this case, your action as a credit card consumer would be to start paying for you delinquent bills so as to establish a new, positive track record. You cannot erase the negative information in your credit file but you can surpass it by the new data. Now, as you've managed your credit affairs, you can make use of the special credit card offers meant for rebuilding or establishing credit history.

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