I have never had a credit card, and I was interested... - Build Credit History Questions


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

I have never had a credit card, and I was interested in beginning to establish my credit history. I haven’t been sure about what card I should start with. The Von Maur credit card seems interesting. Do you think that this would be a good card for me?

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

When it comes to finding a credit card to use as a method of establishing your credit history, there are a few things you want in that card. First of all, you want to ensure that the card you are going to apply for is reporting your credit activity to credit bureau. This is important because it is what actually allows you to build your credit profile. Secondly, you want to ensure that the card you apply for is not going to be a card that will cause you to earn an unpayable debt. If I were you, I would skip the Von Maur card because it is a charge card, and missing a payment on this card would reflect very negatively on you as a cardholder. You should look for a general bank card, and use it responsibly.

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.
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