1. The first is time. The longer you are at your residence or job, the better. Also, the longer your credit history, the better, especially if you have a long history of making payments on time. Where do you start? Once you have at least 6 to 12 months of income and have lived at the same residence for at least that amount of time, my first suggestion would be to apply for credit at a retailer. Retailers make money selling products, so they tend to be a bit more lenient with credit when you are first starting out. The store makes money on your purchase AND on your credit.
More credit accounts mean more sales for the store. Don't apply at many places at once. Go for one card and If accepted, make on-time payments for a year. After a year, apply for another card at a different retailer. Do the same thing and after 2 years have gone by, apply for a Mastercard or Visa. I have also seen Discover Card offer credit cards to college students with little or no credit. If accepted, you may only receive a small line of credit, but it is a good start. After a year, apply for a retail card.
2. A retail store may offer a promotion if you apply for credit. The store may be trying to reach a certain quota of applications to increase the number of credit accounts they have. If you see a promotion, you may have a better chance of acceptance.
2. Since you mention that you are a student, you may need to be at a certain minimum age to get started. The minimum age can vary depending on the state in which you live.
3. If you have a family member with good credit, if your family member is willing to help, apply for a joint credit card or loan. Just be sure that your payment history is reported for both your family member AND you. It's also important that the family member have good credit to increase your chances of approval. Your family member must also understand that if you do not pay your bills, they will be responsible.
I hope that this information is helpful. Good luck to you!
Kenneth recommends the following next steps:
I hope this helps!
I wish you the best!