It may be hard to buy certain items if you do not have a credit card. But what if you do not have a job at the present time? Can you still obtain a credit card? Most issuers of credit cards do not really care about your income as long as you have a good credit score. Thus, it is possible for a person to obtain a credit card even without a job. Moreover, freelancers and those who do not have steady incomes may get a credit card as long as their credit scores are high.
For those who do not yet have a credit history or those who have low credit scores, a secured credit card may be the answer. By ensuring proper use of this card, they can increase their credit scores until such time that they are able to get the usual credit cards. With a secured credit card, you can deposit a certain amount of money with the issuer and you can make purchases up to this amount. The bank will then issue credit statements to the credit bureaus and this will increase your credit score. You may request the bank to release these statements every month to help you improve your credit rating much faster.
Another way is to obtain a high risk credit card that requires you to pay a substantial up-front fee with your first purchase. However, this may not be advisable for many consumers because the initial fee is quite large and there are also large rate increases for late payments.