I need at least $300 very quickly. I've never had a credit card. Can I do it this way??
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If you do happen to get a card, you are likely to get one with only a limit of $300.00. If you use more than 45% of that you would be hurting your credit because of high utilization.
Your best bet would be to go to your bank or credit union and request a small personal loan. Though banks and credit unions generally have a minimum that you can borrow, so you may have to borrow more than you actually need.
Without a good credit history, it may be difficult to get a loan that is not secured. If you manage to get a loan you will probably be paying high interest. But not the loan sharking interest you would pay at a payday place.
After you pay the loan back, you should try to get several major cards and store cards. Just because you have them does not mean you have to charge all of the time. Take them and buy a hamburger every 6 months then pay in full when you get the statement. Build up your credit.
Not every utility company or landlord reports to a persons credit report. If thats the only "credit" related expenses you have had, your credit report may be "very" thin (even if the rent and utilities are reported).
I would take the advice to hit up your new employer for the funds with a grain of salt. Employers rarely like to give out pay advances with employees that have been on the job for awhile, let alone employees that haven't even been on the clock yet. Think very hard before doing that because, by asking, you might be jeopardizing a job that you haven't even started yet.
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