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Applying for Credit – A Regular Catch-22 We live in a Catch-22 world. You can’t establish credit unless you have credit. You can’t get a loan until you have a history of good credit – but – how do you get a credit to begin? Being a good shopper and always paying with cash will come back to haunt you when you want to make a major purchase – like a car or a house. Check That Pre-Approved Credit Card Offer Chances are you've received "pre-approved" credit card offers in the mail. Examine the fine print carefully before you accept any offer for a credit or charge card. Credit Card Questions And Answers When choosing a credit card you should ask yourself some questions. Choosing And Using Credit Cards What are all the terms in all of those pre-approved credit card offers I keep receiving? How Do You Establish A Credit History? Getting credit can be a real Catch-22. You need credit to get credit. If you don’t have credit, you can't get credit. What do you do? How to Spot Credit Repair Scams And Correct Your Credit History Yourself With the sub-prime meltdown, the credit repair scam artists will be out in full force.