If you don’t have a credit history and want a 100 percent guarantee that you will be approved, apply for a secured credit card.  A secured credit card will help you build your credit history with low risk to you.  Secured credit cards work just like regular credit cards and are reported to the three major credit bureaus.   The only difference between a secured card and a regular credit card is that with a secured card, your credit limit matches the amount of the deposit you put down – this usually starts around $200.00.  Your credit limit can be as little or as much as you choose – you can increase your limit by simply adding more to the amount that you initially deposited.  The great thing about a secured credit card is that it can act as a personal savings account while building your credit history at the same time.