I am new to the world of credit and I have absolutely... - Build Credit History Questions


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Credit Card Applications » Questions » User Questions » Build Credit History » I am new to the world of credit and I have absolutely no information on my credit profile. I...

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 | Updated on September 8th, 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.

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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