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Credit Card Applications » Questions » User Questions » Build Credit History » I’ve just started building my credit and thinking to apply for BrandsMart credit card....

I’ve just started building my credit and thinking to apply for BrandsMart credit card. Do you think it is good for me?

Answered on

As a rule, store credit cards are offered to people with average and even bad credit. They are often used to build some credit as well. However, the BrandsMart credit card is offered to people with good or better credit history. So we would not recommend this card to someone who has just started building credit history. Moreover, this card comes with a hefty interest rate of 29.99% and if you are not paying the cards balances in full every month, you can accrue an unpayable balance pretty fast. Instead of applying for a store credit card, you can consider getting a regular credit card that is good for your current credit history. Regular credit cards come with lower interest rates and may give you access to your FICO credit score for free.

Disclaimer: This editorial content is not provided or commissioned by the credit card issuer(s). Opinions expressed here are the author's alone, not those of the credit card issuer(s), and have not been reviewed, approved or otherwise endorsed by the credit card issuer(s). Reasonable efforts are made to present accurate information, however all information is presented without warranty. Consult a card's issuing bank for the terms & conditions.
All rates and fees, and other terms and conditions of the products mentioned in this article/post are actual as of the last update date but are subject to change. See the current products' Terms & Conditions on the issuing banks' websites.
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