I am very interested in building my credit profile.... - Build Credit History Questions


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Credit Card Applications » Questions » User Questions » Build Credit History » I am very interested in building my credit profile. The problem is, I have never had a...

I am very interested in building my credit profile. The problem is, I have never had a credit card before, and I am not sure what credit card is right for me to apply for. I enjoy shopping at Brandsource. Do you think this would be a good credit card for me to start with?

Answered on | Updated on August 1st, 2015
The content is accurate at the time of publication and is subject to change.
This content is not provided by Citi. Any opinions, analyses, reviews or recommendations expressed here are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by the Citi.
When it comes to looking for a card to use as a tool to start building your credit profile, it is important to keep in mind that there are a few specific features you are going to want to look for in that card. First of all, you want to ensure that the card you are applying for is reporting all of your credit activity to major credit bureaus. The Brandsource credit card is issued through Citibank, so luckily your payment activity will be reported. Secondly, you want to make sure that the card you apply for won’t cause you to earn an unpayable debt. This could reflect negatively on your credit profile, potentially leaving you with a bad credit score. If I were you, I would skip the Brandsource card and instead start with a general bank-issued credit card that can be used in more places. When using the card, ensure you are being responsible and don’t miss payments due. That will have a negative impact on your credit score.
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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