The answer is that you can actually build your credit card without having a credit card? (myfinancekits.com)
If you do not have a credit score of 600 points or more, banks can not service your mortgage so and only private mortgage lenders in Aurora may be of help. (mortgagebrokerstore.com)
One thing to keep in mind is that you should not have a credit card if you have trouble with spending more than you can afford to. (investmentzen.com)