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Credit Card Applications » Questions » User Questions » Build Credit History » I am new to the world of credit and I was interested in establishing my credit history. I ...

I am new to the world of credit and I was interested in establishing my credit history. I plan on making a large purchase from Raymour and Flanigan, and I was thinking their credit card might be a good place for me to start. Do you agree? Or do you have another recommendation?

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Leo Zhu

When it comes to finding a credit card to begin establishing your credit profile with, there are a few key things you want to have in that card. First, you want to ensure that the card you apply for is reporting all of your credit activity to major credit bureaus. This is important because this is what actually allows you to build your credit history. The Raymour and Flanigan credit card is issued through TD Bank, so this card will be reporting credit activity. Another important thing to make sure is that the card you apply for won’t cause you to earn a debt you can’t pay. If I was you, I would skip the Raymour and Flanigan card, because it might not be the best idea to start out with a large purchase. I would find a general credit card with 0% interest for a period of time to allow you to pay off your purchase before you get charged interest.

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Get 0% Intro APR on Balance Transfers and Purchases for 21 months. After that, the APR will be 12.24%-22.24% based upon your creditworthiness.
For Excellent/Good Credit
Earn 1% cash back on gas and grocery purchases. Terms apply.
For Fair Credit
Guaranteed $500 Unsecured Credit Limit
For Bad Credit

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