If you do not have any credit, you will actually find it difficult to use for a regular credit card however it doesn't mean that you can't get approved for one. There is one manner in which can help you develop a credit rating and at the same time, get a credit card. This is called a buy now pay later catalog instant approval.  This particular credit card is fantastic for people who are looking for a way to develop a credit history or to fix their credit score. Getting a secured credit card is one of the best ways to establish a credit report.