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Credit Card Applications » Questions » User Questions » Build Credit History » I am new to credit, and I want to begin establishing my credit history, I live in California ...

I am new to credit, and I want to begin establishing my credit history, I live in California and I shop at PacSun all the time. Do you think that the PacSun credit card is a good card to start with?

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Leo Zhu

When deciding which credit card you should apply for to start building your credit history, there are several factors you should take into consideration. First off, you’re going to want to ensure the card you apply for is not going to be a card that is going to cause you to rack up an unpayable balance. In addition, you want to make sure that the card you apply for reports your credit activity to the major credit bureaus in order to be sure you are actually building your credit history. If I were you, I would not choose the PacSun credit card to start with for several reasons. First off, the card can only be used at PacSun, so this card may be useless to you at times, unless you shop at PacSun extremely often. What I would recommend instead is that you choose a more general bank credit card general bank credit card with higher spending flexibility and a low spending limit, to ensure you don’t acquire an unpayable balance.

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