It was very difficult for me as student, in getting my first credit card. Wherever I went for credit card, I required some kind of credit line or a co-singer. I thought it was not fair thing for a responsible person. There is only one thing to prove it, that is if you have a credit line. That’s why no credit credit cards are such a valuable thing.

No credit credit cards can be as simple as an online credit check, possible proof of employment and no stress of having a previous credit line. This is one way to join the rest of society. Credit cards are valuable because it keeps you from the stress of carrying cash around which can be dangerous. It also gives you the freedom to purchase something when you do not have the appropriate funds available at the time.

I have been in a situation where I had only zero credit. Persons who have been in such situations only can appreciate the value of no credit credit cards. Very few people are born with a silver spoon to inherit a premium credit line or any credit line at all. Hence, it is not necessary to feel bad about not having a credit history. I will be the first to approach any company offering a no credit credit card to make me feel comfortable and secure about the decisions I make.

The thought of identity theft or a credit card being stolen is a horrible thought to conceive. I do not know of anyone who wishes to be in a situation where someone has stolen their credit card. It is difficult enough to start a good credit history on your own, and to be responsible with spending. It is jsut a part of having a credit card though. But, it can be overwhelming at times. Thus, credit report monitoring is a good way to keep in track of what you are doing as a consumer and if anyone has touched your credit line.

Being a college student I am included in the typical stereotype of people who are irresponsible with money, and cannot keep purchasing under control. Not true for everyone. Almost all students who have this problem have someone to fall onto if their financial condition collapses. I however do not, and I do not have anyone have to cosign me if I need assistance. This is a extremely unfair situation. If it were not for no credit cards then I would be completely and utterly out of luck.

A last minute bill, a broken down car, new novels, and all the confidence that you are financially secure is worth having and is only fair to be offered to everyone. Credit card do not give you the financial confidence you seek to make well planned and intelligent financial decisions for a long and productive life.

- Daniel Lesser