Your ability to obtain credit, like a mortgage, auto loan, or credit card, depends on your FICO score
Those with FICO scores under 620 will typically not be able to get a mortage
FICO scores under 600 may prevent you from getting an auto loan
Consumers with poor credit or no credit will struggle to obtain a credit card, and may need to pay a security deposit.
StellarFi helps you build credit WITHOUT a credit card. No minimum score, no security deposit.