{"id":1610,"date":"2023-01-29T21:21:10","date_gmt":"2023-01-29T21:21:10","guid":{"rendered":"https:\/\/www.sprucemoney.com\/resource-center\/?p=1610"},"modified":"2025-03-29T02:28:44","modified_gmt":"2025-03-29T02:28:44","slug":"without-a-credit-card","status":"publish","type":"post","link":"https:\/\/www.sprucemoney.com\/resource-center\/building-credit\/without-a-credit-card\/","title":{"rendered":"How to build credit without a credit card"},"content":{"rendered":"\n<p>These days it\u2019s tough to rent a car, book a hotel or even use some rideshare and delivery apps if you don\u2019t have a credit card. Trouble is, most credit card issuers won\u2019t give you that piece of plastic if you don\u2019t have a credit score \u2014 and the common way to build your credit score is with \u2026 a credit card. Which may leave you wondering how to build credit without a credit card.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"alignright size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"240\" height=\"123\" src=\"https:\/\/www.sprucemoney.com\/resource-center\/wp-content\/uploads\/2023\/01\/building-credit-with-out-a-credit-card-thumbnail.jpg\" alt=\"\" class=\"wp-image-1630\" style=\"width:180px;height:92px\"\/><\/figure>\n<\/div>\n\n\n<p>Whether you have no credit or bad credit, it can be frustrating to think you can\u2019t build a good credit score because you don\u2019t have a credit card \u2026 because you don\u2019t have credit. <\/p>\n\n\n\n<p>But no need to stress! There are many ways out of that apparent maze. In fact, it\u2019s possible to earn a solid credit rating without a card. We\u2019ll outline how to build credit \u2014 but first, it\u2019s important to understand what your credit score is all about.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-what-your-credit-score-means\"><strong>What your credit score means<\/strong><\/h2>\n\n\n\n<p>Your credit score is a snapshot of your credit history at a certain point in time, calculated by credit bureau algorithms. The three major credit bureaus \u2014 Equifax, Experian, and TransUnion \u2014 use different scoring models based on FICO, but they\u2019re all similar. Scores range from 300 to 850, and a score over 700 is generally considered good.&nbsp;<\/p>\n\n\n\n<p>Your score can change frequently based on the activity reported to your account.&nbsp;<\/p>\n\n\n\n<p>For example, credit reports and scores factor in things like:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Monthly payment history<\/li>\n\n\n\n<li>Bankruptcies<\/li>\n\n\n\n<li>Changes to your credit mix (ex. types of credit like credit cards, car loans, etc.)<\/li>\n\n\n\n<li>The age of your accounts<\/li>\n\n\n\n<li>Your balances<\/li>\n\n\n\n<li>Your credit utilization, and even how often you apply for new credit.<\/li>\n<\/ul>\n\n\n\n<p>Lenders typically report to the bureaus once a month.&nbsp;Note, however, that a late payment can lower your credit score for as long as seven years, even after you pay the bill \u2014 although credit bureaus will erase late payments on medical bills as soon as you pay off the debt.<\/p>\n\n\n\n<p><strong>Let Spruce help you keep tabs on your credit score.<\/strong> With the Spruce mobile banking app, you can see the <a href=\"https:\/\/www.sprucemoney.com\/credit-score\/\">latest updates to your credit score<\/a><sup><sup><button data-disclaimer-trigger=\"5\" class=\"js-disclaimer-link\"><span class=\"reader\">Disclaimer number<\/span><span>5<\/span><span class=\"reader\">. Go to disclaimer for more details.<\/span><\/button><\/sup><\/sup>and easily learn what\u2019s affecting it.<\/p>\n\n\n\n<p>Related: <a href=\"https:\/\/www.sprucemoney.com\/resource-center\/building-credit\/what-is-a-good-credit-score\/\">What is a good credit score<\/a><\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-6-ways-to-build-credit-without-a-credit-card\"><strong>6 ways to <\/strong><strong>build credit without a credit card<\/strong><strong><\/strong><\/h2>\n\n\n\n<p>Good credit card habits, like paying your bills on time, are the most common ways of building a credit score, but you have other options. Read on to learn more about how to build credit without a credit card. Most of the solutions involve workarounds like secured loans or co-signer agreements.<\/p>\n\n\n\n<p>A quick heads up \u2014 just be careful not to apply for too much credit all at once. Doing so creates \u201chard inquiries\u201d that can lower your score: The credit bureaus worry you\u2019ll take on too much debt and be at higher risk of default.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-1-nbsp-nbsp-nbsp-nbsp-secured-credit-card\"><strong>1.&nbsp;&nbsp;&nbsp;&nbsp; <\/strong><strong>Secured credit card<\/strong><\/h3>\n\n\n\n<p>A secured credit card typically requires you make an advanced deposit into a savings account and that becomes the credit limit of how much you can charge or draw from the loan. Essentially, the amount you deposit in the savings account is \u201csecuring\u201d your credit card and preventing you from going over your credit limit And, as a result, using the card could improve your credit score, especially when you\u2019re making timely payments.<\/p>\n\n\n\n<p>Depending on the card issuer, after six to 18 months with a secured card you may even be eligible to upgrade to a conventional unsecured credit card. If you do end up being approved for a conventional credit card, be sure to stay on top of your payments, so you don\u2019t accumulate too much credit card debt.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-2-nbsp-nbsp-nbsp-nbsp-credit-builder-personal-loan\"><strong>2.&nbsp;&nbsp;&nbsp;&nbsp; <\/strong><strong>Credit builder personal loan<\/strong><\/h3>\n\n\n\n<p>Similar to a secured credit card, a credit builder personal loan requires you to put the full loan amount on deposit with the bank. You make timely payments (which includes interest and fees) until the loan is paid off, then you get your deposit back. It may take a while to save enough for the loan, but ultimately the process allows your monthly payments to be reported to credit agencies, which is what helps you build your credit.<\/p>\n\n\n\n<p>Credit builder loans are typically offered by community banks and credit unions as well some online banks. Interest rates can vary considerably, so shop around.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-3-nbsp-nbsp-nbsp-nbsp-co-signer-agreement\"><strong>3.&nbsp;&nbsp;&nbsp;&nbsp; <\/strong><strong>Co-signer agreement<\/strong><\/h3>\n\n\n\n<p>Consider applying for a personal or auto loan with a co-signer.&nbsp;That could be a parent or other relative with good credit history. They guarantee the loan \u2014 meaning that if you don\u2019t pay, they\u2019ll be on the hook. Plus, if you don\u2019t keep on top of your payments, it could mean a negative hit to your credit as well as your parent\u2019s or friend\u2019s credit.<\/p>\n\n\n\n<p>Make sure your co-signer has an excellent credit history before you apply. Otherwise, the loan could be denied, and your credit score could drop just for making the application. (Remember, credit bureaus don\u2019t like to see a lot of loan inquiries.)<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-4-nbsp-nbsp-nbsp-nbsp-authorized-card-user\"><strong>4.&nbsp;&nbsp;&nbsp;&nbsp; <\/strong><strong>Authorized card user<\/strong><strong><\/strong><\/h3>\n\n\n\n<p>Often you can get a credit boost by becoming an authorized user on someone else\u2019s card account, such as a parent or close friend. You don\u2019t need to make charges yourself, or even possess the card; just having your name on the account can elevate your score. (Again, make sure the account is in good standing before you ask to be added.) Being an authorized user can fit well into a plan for <a href=\"https:\/\/www.sprucemoney.com\/resource-center\/planning\/college-student-budget-tips\/\">college student budgeting<\/a>.<\/p>\n\n\n\n<p>Not all credit card companies report authorized users to a credit reporting agency. So, if you\u2019re considering this route, the primary card holder should call the issuer first.&nbsp;It\u2019s also smart to check your credit rating with all three bureaus after using the card for a few months. That way you can make sure the card is appearing in reports.<\/p>\n\n\n\n<p>You can use <a href=\"http:\/\/www.annualcreditreport.com\">www.annualcreditreport.com<\/a> to check your credit report for free.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-5-nbsp-nbsp-nbsp-nbsp-installment-loans\"><strong>5.&nbsp;&nbsp;&nbsp;&nbsp; <\/strong><strong>Installment loans<\/strong><\/h3>\n\n\n\n<p>Auto, mortgage, student, and personal loans (long and <a href=\"https:\/\/www.hrblock.com\/tax-center\/around-block\/financial-products\/short-term-loan\/\">short-term loans<\/a>) are all types of installment credit that can be a good way to build credit without a credit card. Monthly payments paid on time and over time can help you build credit and increase your score.<\/p>\n\n\n\n<p>For auto loans specifically, the car itself serves as the collateral for the loan since the bank can repossess it if you miss payments. That means you generally won\u2019t need a long credit history to qualify. However, people with low or no credit sometimes pay higher interest rates. And it\u2019s usually best to limit how much you borrow for a car, even if it means driving an older model.<\/p>\n\n\n\n<p>Related: <a href=\"https:\/\/www.sprucemoney.com\/resource-center\/spending\/how-much-should-i-spend-on-a-car\/\">How much should I spend on a car? <\/a>&nbsp;<\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"h-6-nbsp-nbsp-nbsp-nbsp-rent-and-utility-bills\"><strong>6.&nbsp;&nbsp;&nbsp;&nbsp; <\/strong><strong>Rent and utility bills<\/strong><\/h3>\n\n\n\n<p>It\u2019s possible to build credit just by paying your regular bills on time. Many property management companies automatically report your rent payment to credit bureaus, but individual landlords usually don\u2019t.&nbsp;Some credit bureaus have programs to add your rent payment history to your score calculation if you ask. Utility and mobile phone payments can also be included.<\/p>\n\n\n\n<p>Related: <a href=\"https:\/\/www.sprucemoney.com\/resource-center\/planning\/how-much-budget-for-apartment\/\">Determining how much rent you can afford<\/a><\/p>\n\n\n\n<div class=\"wp-block-create-block-hrb-article-cta\" class=\"wp-block-create-block-hrb-article-cta\" style=\"background-color:#005d1f\"><div class=\"hrb-article-cta--image\" style=\"background-image:url(&quot;https:\/\/www.sprucemoney.com\/resource-center\/wp-content\/uploads\/2024\/06\/spruce-susan-resized.png&quot;);background-size:contain;background-position:center;background-repeat:no-repeat\"><\/div><div class=\"hrb-article-cta--copy #ffffff\"><h3 class=\"main-heading\"><strong>Let Spruce help you keep tabs on your credit score<\/strong><\/h3><div class=\"quick-links-list\">\n<div class=\"wp-block-button\"><a class=\"wp-block-button__link wp-element-button\" href=\"https:\/\/account.sprucemoney.com\/signup\/\">Get started<\/a><\/div>\n<\/div><\/div><\/div>\n\n\n\n<p class=\"is-style-diy-tiny-text\">Spruce fintech platform is built by H&amp;R Block, which is not a bank. Bank products by Pathward\u00ae, N.A., Member FDIC.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-how-long-does-it-take-to-build-credit\"><strong>How long does it take to build credit?<\/strong><\/h2>\n\n\n\n<p>It usually takes about six months of credit activity to establish enough history to generate a credit score.&nbsp;After all, good things take time! During that period (and going forward), don\u2019t forget to make all your payments on time.<\/p>\n\n\n\n<p>Even if you\u2019re not yet eligible for a credit card, try to establish a mix of credit accounts, which is another factor in your score. \u201cCredit accounts\u201d just means types of accounts, so that might include one secured credit card, installment loans, and your utility accounts.&nbsp;<\/p>\n\n\n\n<p>Note that while a mix of credit accounts is good for your credit score, too much debt is bad. Generally, your total monthly debt payments, including housing costs (rent or mortgage), should be no more than 30% of your take-home pay. If they\u2019re higher, you may lose credit score points.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\" id=\"h-keep-tabs-on-your-credit-score-with-the-spruce-mobile-banking-app\"><strong>Keep tabs on your credit score with the Spruce mobile banking app<\/strong><\/h2>\n\n\n\n<p>Once you understand how to build credit without a credit card, monitor your credit report and dispute any errors.&nbsp;And don\u2019t forget, with the Spruce mobile banking app, you can easily check your FICO<sup>5<\/sup> credit score whenever you want.<\/p>\n\n\n\n<p>Plus, Spruce offers other features, such as overdraft protection up to $20<sup><button data-disclaimer-trigger=\"6\" class=\"js-disclaimer-link\"><span class=\"reader\">Disclaimer number<\/span><span>6<\/span><span class=\"reader\">. Go to disclaimer for more details.<\/span><\/button><\/sup>, that can help you on your way to getting better with money day by day.<\/p>\n\n\n\n<p><strong><a href=\"https:\/\/account.sprucemoney.com\/signup\/\">Get started with Spruce<\/a>!&nbsp;<\/strong><\/p>\n\n\n\n<p><em><br>This information provided for general educational purposes only. It is not intended as specific financial planning advice as everyone\u2019s financial situation is different.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>These days it\u2019s tough to rent a car, book a hotel or even use some rideshare and delivery apps if\u2026<\/p>\n","protected":false},"author":1,"featured_media":1627,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"footnotes":""},"categories":[6],"tags":[],"class_list":["post-1610","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-building-credit"],"acf":[],"yoast_head":"<title>How To Build Credit Without A Credit Card | Spruce Money<\/title>\n<meta name=\"description\" content=\"Find out how you can build credit without a credit card with the Spruce team. 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