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I assumed they meant someone stole their identity and destroyed their credit rating so they couldn’t get a CC even if they wanted one.
But your take is just as (if not even more) likely…
You should still be able to get a secured card.
All my credit accounts are frozen and I just gave up on using credit.
You can still probably get a prepaid credit card...
You just have to pay it upfront before doing the transaction.
I want to clarify, by prepaid I expect that you mean a secured credit card right because prepaid cards you can find at stores are meant to rip you off and charge large fees for usage and charging.
Personally I recommend discover, they offer stupid simple secured cards and after a year or so usually they give your deposit back and upgrade it to a standard credit card
Yes, absolutely. Fuck the stuff you get at stores' checkout.
I do mean something from a bank or union, it's just instead of having a limit you can borrow from, you can prepay and do whatever transaction after.
Works fine for online places that only take credit.
You can usually get them even with shitty credit, because they're not fronting you the money.
Personally speaking, intentionally not using or collecting credit in this world is dumb. It's shooting yourself in the foot for basically everything longterm wise. This can be from rental agreements to buying a house to buying a car. Anything that needs to show trustworthiness. It's stupid, but it's how this world operates.
I would highly recommend reconsidering your mentality that you've given up on credit.
Also regarding the fraud. Hopefully you are currently mid battle on that because it's not fair for you to have bad credit due to identity fraud and generally when proven that someone stole your identity they reverse all charges(for you) and reverse the credit score that went with it., After all, you never actually spent the money. But that's a long and lengthy battle
Replace the word "world" with "USA" please. Most other countries do not require you to build credit score by borrowing money.
Someone can still commit identity theft against you whether you use credit or not. Might as well use it to your advantage.