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I am new to the world of credit and I have absolutely no information on my credit...

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I am new to the world of credit and I have absolutely no information on my credit profile. I was looking to change this, so I began looking into credit cards so I can choose one to apply for. I found the Chadwicks card and became very interested. Do you think the Chadwicks card is a good card for me to start with?

Answered on Sep 8, 2015

Updated on Sep 8, 2015

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

When it comes to looking for a card to use as a tool to start building your credit profile, you want to take into consideration all of the components you are going to want to have on that card. First of all, whatever card you apply for, it should report your credit activity to major credit bureaus. The Chadwicks credit card is issued by Comenity Bank so luckily, credit activity will be reported. In addition, you want to ensure that the card you apply for is not going to be the card that will cause you to earn an unpayable debt, so try not to carry a balance, but if you have to, look for a low APR. Missed or late payments could reflect negatively on you and possibly leave you with a bad credit score so pay on time. If I were you, I wouldn’t start with a store card. I would find a general credit card and use it responsibly.

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