Having a certain credit score makes clear what credit card offers are for you. Good credit is valuable. It opens you doors to numerous lucrative credit card deals with tempting rates, rewards programs and reasonable fees. Having bad credit gives you a hard time finding a profitable offer. If you have no credit history, you fell between two stools. You are not eligible for good credit offers because you have not proven your creditworthiness. On the other hand, you have not faced defaults or credit exceeding to apply for bad credit cards. So, what credit offers are good for you?

First, you can apply for a secured credit card. It means that you have to deposit a specified amount of money on a saving account. You will not be able to spend more than you have on your account. It is very convenient if you have no financial experience and are unsure of your skills to manage credit card wisely. Secured credit cards look like any other plastic and come with the same features and options.

Then, you can find an unsecured card for no credit. If you think that such plastics come with bad terms, look at Citi Platinum Select MasterCard from Citibank. It offers intro 0% APR on purchases for 6 months, no setup and annual fees and 11.99% ongoing APR on purchases and balance transfers when the promotional period finishes. This credit card is as profitable as a plastic for consumers with good credit history. It gives you an opportunity to have a head start.

If you are a student, you can apply for a student credit card. As it follows from its name, this card is targeted at students who make their first steps in building credit. Student cards come with rewards programs matching young people's needs, interests and lifestyle. You will accumulate reward points that can be redeemed for CDs, DVDs, cinema tickets, MTV awards tickets, brand-name merchandise and other items.

Credit card issuers regard people with no credit as high risk customers, because they have no financial experience to manage their debt properly. When you get approved for a credit card, you receive a cart blanch to prove your creditworthiness and reliability. Whichever card you choose, check that your credit card issuer monthly reports your payments to the major credit bureaus. A positive borrowing-repayment record is your best reference for future loans.

The most common mistake that new credit card holders make is to buy all things that they couldn't afford before. Avoid the temptation and control your spending. It is very easy to buy small things here and there and accumulate debt. Such spending pattern leads to defaults and correspondingly to the lowering of your credit score.

Having no credit makes you a dark horse who has all chances to gain success. Applying for the most suitable credit card and making well-considered financial decisions will ensure beneficial terms for your future loans.