When it comes to looking for a card to use as a tool to start building your credit profile, you want to take into consideration all of the components you are going to want to have on that card. First of all, whatever card you apply for, it should report your credit activity to major credit bureaus. The Chadwicks credit card is issued by Comenity Bank so luckily, credit activity will be reported. In addition, you want to ensure that the card you apply for is not going to be the card that will cause you to earn an unpayable debt, so try not to carry a balance, but if you have to, look for a low APR. Missed or late payments could reflect negatively on you and possibly leave you with a bad credit score so pay on time. If I were you, I wouldn’t start with a store card. I would find a general credit card and use it responsibly.
CREDIT CARDS FOR BAD CREDIT:
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