As a college student I had a very hard time getting my first credit card. Everywhere I went required that I had some sort of credit line or I had to have a co-signer. I felt like this was an unfair thing to do because I was a responsible person but the only way to prove that is if you already have a credit line. This is one reason why no credit credit cards are such a valuable thing.

Credit cards are not as simple as an online credit check, possible proof of employment and no stress to having a old credit line. This is one of the ways to join the rest of society. Credit cards are nifty because of the fact you do not need to carry around cash which can be very dangerous. It also allows you to purchase something when you do not have the funds on hand at the present time.

I can appreciate the value of no credit credit cards because I have in a position where I have had zero credit. Not many people are born with a premium credit line or any credit line at all so it is important to be able to not feel bad about not having a credit history. If a company is willing to make me feel comfortable and secure about the decisions I make by offering a no credit credit card then I will be the first in line.

Credit report monitoring is a fantastic, sensible asset to any responsible person who has built up a respectable credit history. (As you know this takes time and careful management). How does credit report monitoring work? Simply and effectively, it enables you to monitor your own consumer record and information is available at all times. You will know if anyone has attempted to tamper with your personal credit line. If someone steals your identity or credit card details it’s awful, both financially and emotionally. You’ve worked hard for your achievements, don’t let anyone steal any of it! Let credit report monitoring be your protection against this kind of soul destroying theft!

I have been not careful with money and did not keep my purchasing under control. This is due to the fact that I was a college student and as is the case with many teenagers I had been reckless. This is not the case with everyone. Most students having such credit problems had a godfather who would help them financially in case of need. However, I was not blessed with such a person. It would have been very serious but for no credit credit cards facility.

A flat tire, new books, last minute bill, and the confidence that you are financially OK is worth having and is only fair to be offered to everyone. No credit credit cards gives you the financial confidence you need to start out with to make smart financial decisions for a long productive financially sound life.

- Daniel Lesser