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Credit Card Applications » Questions » User Questions » Build Credit History » I am very interested in building my credit profile. The problem is, I have never had a ...

I am very interested in building my credit profile. The problem is, I have never had a credit card before, and I am not sure what credit card is right for me to apply for. I enjoy shopping at Brandsource. Do you think this would be a good credit card for me to start with?

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Leo Zhu

When it comes to looking for a card to use as a tool to start building your credit profile, it is important to keep in mind that there are a few specific features you are going to want to look for in that card. First of all, you want to ensure that the card you are applying for is reporting all of your credit activity to major credit bureaus. The Brandsource credit card is issued through Citibank, so luckily your payment activity will be reported. Secondly, you want to make sure that the card you apply for won’t cause you to earn an unpayable debt. This could reflect negatively on your credit profile, potentially leaving you with a bad credit score. If I were you, I would skip the Brandsource card and instead start with a general bank-issued credit card that can be used in more places. When using the card, ensure you are being responsible and don’t miss payments due. That will have a negative impact on your credit score.

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