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Credit Card Applications » Questions » User Questions » Build Credit History » I have never had a credit card before and I was interested in beginning to build my credit ...

I have never had a credit card before and I was interested in beginning to build my credit profile. I haven’t been sure what credit card I should start with. I frequently shop at both American Eagle and Aerie and I thought the American Eagle/ Aerie card would be a good credit card for me to start with. Do you agree?

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Leo Zhu

When it comes to looking for a credit card to use to begin building your credit profile with, there are a few features you want to look for in the card you are going to apply for. First and most importantly, the card you are going to apply for must be reporting all of your credit activity to major credit bureaus. The Aerie credit card is issued through Comenity Bank so luckily this card does report activity to credit bureaus. Aside from this, you also want to ensure that the credit card you are going to apply for is not going to be a card that will cause you to earn yourself an unpayable debt. Considering you shop at American Eagle frequently, I would say this card might be a little risky. I would consider skipping the American Eagle card and instead look for a general bank card with a low spending limit.

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