The content is accurate at the time of publication and is subject to change.

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.

tags : Shopping Build Credit Store Cards

Disclaimer: This editorial content is not provided or commissioned by the credit card issuer(s). Opinions expressed here are the author's alone, not those of the credit card issuer(s), and have not been reviewed, approved or otherwise endorsed by the credit card issuer(s). Reasonable efforts are made to present accurate information, however all information is presented without warranty. Consult a card's issuing bank for the terms & conditions.
All rates and fees, and other terms and conditions of the products mentioned in this article/post are actual as of the last update date but are subject to change. See the current products' Terms & Conditions on the issuing banks' websites.