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Credit Card Applications » Questions » User Questions » Build Credit History » I am fairly new to the world of credit and I was recently looking into finding a credit card ...

I am fairly new to the world of credit and I was recently looking into finding a credit card to sign up for. Since this is the first credit card I will ever have, I’m a little confused about what card I should apply for. I heard there might be a Hollister card. If there is, do you think I should apply for it?

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Leo Zhu

There is no Hollister credit card. The only kinds of cards offered by Hollister are e-gift cards and regular gift cards. If you are looking into finding a credit card to use as a tool to begin building your credit history, choose one of general credit cards. There are also a few things you want to make sure you get with that card. First of all, whatever card you apply for should be reporting all of your credit activity to the major credit bureaus. This is what actually builds your credit profile. More importantly, whatever card you choose to apply for be careful you don’t build up an unpayable debt. Late or missed payments could reflect negatively on your credit score.

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