It will take some time, but do this.
Secured cards come from a financial institution and require a cash deposit as collateral for the line of credit they give you. With timely payments, your credit limit can be raised and eventually you could receive an unsecured card with your deposit returned in full.
Another alternative is to get a card from a department store. They often offer incentives to apply for a card from them when shopping at their stores. However, applying for a card every time you are offered a discount can negatively impact your credit score. The downside to department store cards is that while they often have an associated discount, they typically have higher interest rates than other credit cards, and you’ll likely be restricted to shopping at their stores.
Treat the Credit Card Like a Debit Card
When building credit you should always treat the credit card as if it were a debit card. You shouldn’t buy anything that you can’t already afford to pay off in full. This ensures that you will be able to pay off the full amount each month and avoid paying interest. Although the purpose of credit cards is debatable, most people agree that they’re best for cash flow management, not making purchases you hope to afford in the future.
Pay the Credit Card by the Due Date
Having a good credit score tells others that your word means something. Pay off your balance in full each month, and it should be reported to the three major credit bureaus. This is how your credit score is built. Avoid only paying the minimum amount each month, which leads to interest charges. Always pay as much as you can if you can’t afford to pay it off in full.