How to Get a Unsecured Credit Card Without Monthly Fees

Research different cards before applying for one.
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Unsecured credit cards are the common everyday credit cards that most people use. The terms and benefits vary from card to card. Some financial institutions offer no-interest cards, which help to eliminate any monthly fees that would normally be accrued from carrying a balance. While a no-interest card is certainly a benefit, consumers should be forewarned that these terms are usually temporary and a high interest rate will likely kick in at some point in the future.

Step 1

Establish a positive credit history to earn a high credit score. Financial institutions tend to award unsecured credit cards to those that have shown they can handle debt responsibly. Paying your debts on time -- whether it's a utility bill or a student loan -- can help you to earn a good credit score.

Step 2

Research the different credit cards that are available. A no monthly fee card is one with zero interest. However, some financial institutions will offer a card with no interest for only a certain amount of time, such as six months. Though a card without monthly fees sounds attractive, make sure you find out when the interest rates kick in and at what percentage. Also make sure that the card does not have any hidden monthly fees attached to it, such as a late fee for not paying off your entire balance every month.

Step 3

Apply for the card by filling out the application and submitting it to the financial institution. Provide your personal information, such as your name, address, phone number, email address, Social Security number, job title, employer and employer's contact info. Specify the desired credit limit, if applicable. Most financial institutions will determine your credit limit based on your debt history.

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