There is an old saying “You have to play if you want to score” and the same holds true for building credit. When you apply for credit card or take out a loan, the lender will check your credit report and credit score to learn about how you've managed credit in the past. If you have a long history of effectively managing credit and making payments on time, you're more likely to get approved and get the lowest rates; however, if you don’t have a payment history – you’ll likely be denied. The offers below are designed to help you build credit even if you have a poor credit history, no credit history or a low credit score.