Answers about Establishing Credit

My (husband/wife) has passed away. I don't have a credit history established in my name. How can I get a bank credit card?

Banks normally require an applicant for a major credit card to have established credit. So the first step is to establish a credit history in your name.

This could be in the form of an oil company, major department store, or other type of revolving credit account. (These accounts are usually easier to obtain than bank credit card accounts.)

Once you obtain one of these cards, use them on a regular basis to buy items you can afford. Be sure to make your monthly payments on or before the due date.

After one or two of these accounts have been established for a reasonable length of time (1 to 2 years), you may wish to apply for a bank credit card. When completing the application, provide as much information as possible, including the account numbers and addresses of all creditors.