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Credit Card Applications » Questions » User Questions » Build Credit History » I am looking to begin building my credit history and I absolutely love shopping at BJs. ...

I am looking to begin building my credit history and I absolutely love shopping at BJs. Should I use their card to build my credit history, or are there any other credit cards you could recommend instead?

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Leo Zhu

When it comes to looking for a card that you are going to use to begin establishing your credit profile, there are a few important factors you should know about. The amount of love you have for a store is not the only factor that comes into play when selecting a card that is right for you. One thing you want to ensure is that the card you are applying for is reporting your credit activity to the major credit bureaus. The BJs credit card is issued by Comenity Capital Bank, so this card is reporting payment history to the bureaus. Another thing you want to ensure is that the card you are applying for is not going to be a card that will cause you to collect an unpayable balance, this would reflect negatively on your credit profile. If I were you, I would consider choosing a more general bank issued credit card and only spend what you can afford to pay off each month.

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Get 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the APR will be 12.24%-22.24% based upon your creditworthiness.
For Excellent/Good Credit
Earn 1% cash back on gas and grocery purchases. Terms apply.
For Fair Credit
Guaranteed $500 Unsecured Credit Limit
For Bad Credit

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