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Credit Card Applications » Questions » User Questions » Build Credit History » I want to apply for a credit card to start establishing my credit. I have only Visa buxx...

I want to apply for a credit card to start establishing my credit. I have only Visa buxx card which is a debit card, no loans or other credit accounts so far. Can you recommend me a card to start building my credit?

Answered on

A good credit card to start building a credit history with can be a secured credit card. Secured cards are generally aimed at people with no credit history and at people with bad credit who are rebuilding their credit. The secured cards’ payment activity is reported to the major credit bureaus monthly which will build your payment history and as a result your credit history and credit score. Therefore, it is important to make all monthly payments on time without missing or skipping them. To get a secured credit card you will need to put down a security deposit. You can pay only a minimum deposit which is usually around $200 and it will get you an equal line of credit.

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