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Applying For A Credit Card With No Credit History Oddly enough, not only will bad credit work against you when applying for a loan or a credit card, but no credit will too. Even though this doesn't seem fair, it is the way things work in the complicated world of consumer credit. Lenders are leery about opening accounts for people with no credit history because they simply have nothing to base your reliability on. What To Do When Your Credit Card Is Lost Or Stolen Unfortunately, wallets and purses do get stolen or lost on a regular basis. Your biggest concern is usually the fact that your credit cards are missing. Winning The Fight Against Identity Theft With Fraud Alert One thing you can be proud of always is your self-identity -- your individual difference among other persons. It reflects your whole being and your personality in general. It also shows your uniqueness with other people. It is something that cannot be stolen from you.