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Credit Card Applications » Questions » User Questions » Build Credit History » I was interested in beginning to establish my credit history. The problem is I have not yet ...

I was interested in beginning to establish my credit history. The problem is I have not yet decided what card I should start with. I frequently shop at Sports Authority and I thought the Sports Authority card would be good option. Do you agree? Or is there something else you could recommend?

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Leo Zhu

There are a few key things you want to look for in the card when you are just starting to establish your credit profile. First of all, you want to ensure that the card you are going to use is not going to be a card that will cause you to get into debt. Considering you frequently shop at Sports Authority, and this card is only good for Sports Authority, you might spend more than you budgeted for. Another thing you want to ensure is that the card you are applying for is reporting your activity to major credit bureaus. This is very important because this is what actually allows you to begin building your credit history. The Sports Authority credit card is issued through Comenity Bank, so this card does report activity. However, I would not recommend that you use this card to start off with. Instead, I would say you find a card with more spending flexibility, so you are not limited to one store. And don’t use up more than 30% of your credit limit to keep your credit-to-debt ratio low.

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