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Credit Card Applications » Questions » User Questions » Build Credit History » I am new to credit, and I want to begin establishing my credit history, I live in California...

I am new to credit, and I want to begin establishing my credit history, I live in California and I shop at PacSun all the time. Do you think that the PacSun credit card is a good card to start with?

Answered on | Updated on April 30th, 2015
The content is accurate at the time of publication and is subject to change.

When deciding which credit card you should apply for to start building your credit history, there are several factors you should take into consideration. First off, you’re going to want to ensure the card you apply for is not going to be a card that is going to cause you to rack up an unpayable balance. In addition, you want to make sure that the card you apply for reports your credit activity to the major credit bureaus in order to be sure you are actually building your credit history. If I were you, I would not choose the PacSun credit card to start with for several reasons. First off, the card can only be used at PacSun, so this card may be useless to you at times, unless you shop at PacSun extremely often. What I would recommend instead is that you choose a more general bank credit card general bank credit card with higher spending flexibility and a low spending limit, to ensure you don’t acquire an unpayable balance.

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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