Ways to get your first credit card easier

When you are studying or working in Canada and the US., it is extremely important to have a credit card. On-line shopping and hotel reservation are all bounded with your credit.
 However, many credit card companies aren't so eager to give you one.
Here are a few ways to get your first credit card easier.

Credit cards for students

The sad truth is, credit card companies are more than willing to dole out credit cards to college students. If you're enrolled in college, you have a very good chance of getting approved for a student credit card. Be wary, credit card companies are notorious for preying on college students. Start with only one credit card, no matter how many other offers you get.

Look closely at student credit card offers. Some of them are awful deals – high interest rates, annual fees – with a student label attached to make you think the credit card is just for you. That’s not necessarily true. A great first credit card has a lower APR, no annual fee, and may not have student in the title.

Secured credit cards

Secured credit cards have few or no restrictions on who qualifies. Capital One and Orchard Bank, for instance, will lend you a secured credit card right out of bankruptcy, regardless of your credit score. Other lenders might have a waiting period after bankruptcy, or consider your FICO score. One thing to keep in mind: you’ll have to post collateral upfront. The Capital One Secured requires you to give a deposit of $49 to $200, while the Orchard Bank card’s minimum deposit is $200.

Easy credit cards

Easy credit cards include the Orchard Bank unsecured MasterCard, which has higher fees than its secured counterpart but doesn’t require you to post an upfront deposit.

Prepaid debit cards

Prepaid debit cards will not help your credit score at all. Since you’re not being extended a line of credit, Fair Isaac won’t factor them in. Plus, they’re often riddled with hidden fees, so be very, very careful if you get one.

Shopping Mall Credit cards

Some big shopping malls have their own credit card departments, and they are usually willing to issue credit cards to their customs as membership cards. You can always get extra points earned.
For example, you can apply for Amazon credit card, which could be approved online. That's really amazing since other credit companies always need weeks to evaluate you. Amazon will also give you 15$ gift certificate once your application is approved, and you can use the gift certificate right away for shopping.
For the experience of my family as immigrants, my wife got her first credit card from a shopping mall and I got my first one from Capital one with 300 secure fund (after a few months of using capital one credit card, I got another one from Amazon with 2000 credit. )

Good Luck, folks.