I am new to the large world of credit and I have been... - Build Credit History Questions


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Credit Card Applications » Questions » User Questions » Build Credit History » I am new to the large world of credit and I have been interested in starting to build my...

I am new to the large world of credit and I have been interested in starting to build my credit history; however, I have not found the right card to start with yet. I frequently shop at BrylaneHome and I was wondering if their card would be a good place for me to start. Do you agree?

Answered on

The thing about choosing a card to start building your credit history with, is that there are several things you want to look for. First of all and most importantly, you want to ensure the card you’re applying for is reporting all activity to major credit bureaus. This is so important because this is what actually allows you to begin building your credit history. The BrylaneHome credit card is issued through Comenity bank so some activity will be reported. The next thing you want to ensure is that the card you are going to apply for is not going to be a card which will cause you to earn an unpayable debt. If you begin to make late payments, it could begin to reflect negatively on your credit history. Considering you frequently shop at BrylaneHome, we would not recommend this card to start with. We would recommend that you look for a more general bank issued credit card and only buy what you need.

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