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Credit Card Applications » Questions » User Questions » Build Credit History » I have never had a credit card, and I was interested in beginning to establish my credit...

I have never had a credit card, and I was interested in beginning to establish my credit history. I haven’t been sure about what card I should start with. The Von Maur credit card seems interesting. Do you think that this would be a good card for me?

Answered on

When it comes to finding a credit card to use as a method of establishing your credit history, there are a few things you want in that card. First of all, you want to ensure that the card you are going to apply for is reporting your credit activity to credit bureau. This is important because it is what actually allows you to build your credit profile. Secondly, you want to ensure that the card you apply for is not going to be a card that will cause you to earn an unpayable debt. If I were you, I would skip the Von Maur card because it is a charge card, and missing a payment on this card would reflect very negatively on you as a cardholder. You should look for a general bank card, and use it responsibly.

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