Think about it first before applying for one, everytime you apply, they check your credit, and everytime they do points get taken off from your credit. Don't get a credit card with an annual fee, just wait for a good credit card offer (no annual fee, low interest rate and maybe rewards). I suggest starting with a store credit card, but make sure it's a store that you shop quite often from. When you have the card, don't spend more that 30% of your credit limit, this will help build credit, never make a late payment because this will really hurt your credit. I did start with Banana Republic CC, they gave me $400 limit at first that I can only use at Old Navy, Gap, & Banana Republic, after a few months they upgraded me to a Banana Republic Visa & gave me a $4000 limit which I can use anywhere that accepts Visa.
NASN got a reaction from Ippsy Pippsy in Building Credit