Posted on Sep 18, 2015
Does anyone know if it is even possible to get your VA loan without having a credit card?
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I've never had a credit card, I don't want one, and I find it insulting that my hard earned benefits are being withheld from me because I won't conform and go into debt.
Posted in these groups: 
VA Loan
VA Loan
Posted >1 y ago
Responses: 21
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You seem to be talking about two different things. The certificate from the VA is not a loan. The loan comes from a financial institution. You take the certificate to the place you are are planning to get the loan. You dont need a credit card to obtain the certificate. The loan may depend on your credit rating.
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Why do you have to do into debt with a CC? I use a CC (Freedom by Chase) to make almost ALL my purchases because I get at least 1% back (5% on various purchases). I pay off the balance each month - and I earn about $1000 or more in a 12 mo period - no debt.
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If you wish to obtain a loan and don't have an established credit history, then obtaining said loan may be difficult down the road for you. Apply for a card, and use it for small things like gas and groceries. Pay those bills. Boom, instant credit history.
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