Well that's not an option and I don't think I'm going to the bank anymore.
I've never had a credit card & couldn't get one if I tried right now. With a string of bad luck and a shit load of medical bills my credit went to shit years ago. I also hate borrowing money and for now I'm sticking to my March-April target goals.
That is why you set up a business and get business credit cards (not personal cards). Your business would have no credit, but not bad credit. You should look in to it.