The J.Jill credit card is a store credit card and store credit cards are not recommended as fist credit card. The reason is simple – they come with high interest rate. The J.Jill credit card comes with 26.99 percent interest rate and if you are late or miss your payment, which is not a rare thing for those who start building their credit, you will have to pay a penalty fee of up to $35 and you interest rate will be increased to 29.9 percent. So, you will rack up interest pretty fast and it may be difficult to pay it off. Instead, we recommend you to apply for a regular credit card issued by a major credit card for consumers with no credit. The cards have low rates and penalty fees are not that high and can be easily disputed.