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Credit Card Applications » Questions » User Questions » Build Credit History » I was interested in beginning to establish my credit history. I’m new to the world of credit ...

I was interested in beginning to establish my credit history. I’m new to the world of credit and I have not ever had a credit card before because I have not been sure about what card I should apply for. I enjoy shopping at Jessica London and I was wondering if the Jessica London card was a good card to start with. Do you agree?

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Leo Zhu

Well, the thing about finding a credit card to use to start building your credit history, there are a few key things you want to find in the card you look for. One of the important things to ensure is that the credit card you apply for is reporting all of your payment activity to the major credit bureaus. This is very important because this is what actually allows you to build your credit. The Jessica London card is issued through Comenity Bank, so luckily this card will be reporting activity. Another important thing to ensure is that the card you apply for will not cause you to earn an unpayable debt. Also, late payments could reflect very negatively on your credit score. I would recommend that you skip the Jessica London card and instead find a general card and use it responsibly. Only buy what you can afford and pay your bills on time and your credit score will rise.

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