jrfico wrote:That being the case, are there any unsecured cards that would approve someone who has a fresh credit report and no FICO score? Or is the only absolute way to start is with a secured credit card?
It's possible to get an unsecured card with no credit history, just need to find the right issuer and probably the right person who can handle with this.
Discover is known to issue unsecured cards to those with no credit history, one of my friends has done this recently, with $500 limit. He was required to submit several documents to prove his identity.
For Citi, college students can get unsecured student cards without credit history, going to branch is one of the requirements.
Chase may also issue cards to those with no credit history, I have one friend who did this last year. This seems harder, though, could be YMMV.
So it's completely possible to get an unsecured card without any credit information, just not that convenient as those who already have credit, and there is chance of being denied for whatever reasons.
jrfico wrote:Can't get a credit card because I don't have credit history/FICO, but I can't have credit history/FICO unless I have credit...
One solution is beginning with a secured card; or start establishing credit with credit unions, or some banks issue student cards to those with no credit history, of course the rewards may be little to none.