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


Credit-Land.com is an independent, advertising-supported web site. Credit-Land.com receives compensation from most credit card issuers whose offers appear on our site. Compensation from our advertising partners impacts how and where their products appear on our site, including, for example, the order in which they may appear within review lists. Credit-Land.com has not reviewed all available credit card offers in the marketplace.

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

I have never had a credit card before and I was interested in beginning to build my credit profile. I haven’t been sure what credit card I should start with. I frequently shop at both American Eagle and Aerie and I thought the American Eagle/ Aerie card would be a good credit card for me to start with. Do you agree?

Answered on | Updated on June 23rd, 2016
The content is accurate at the time of publication and is subject to change.

When it comes to looking for a credit card to use to begin building your credit profile with, there are a few features you want to look for in the card you are going to apply for. First and most importantly, the card you are going to apply for must be reporting all of your credit activity to major credit bureaus. The AEO Connected credit card is issued through Synchrony Bank so luckily this card does report activity to credit bureaus. Aside from this, you also want to ensure that the credit card you are going to apply for is not going to be a card that will cause you to earn yourself an unpayable debt. Considering you shop at American Eagle frequently, I would say this card might be a little risky. I would consider skipping the American Eagle card and instead look for a general bank card with a low spending limit.

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.
Get the latest news, articles and expert advice delivered to your inbox. It's FREE.
Perfect credit not required for approval; we may approve you when others won’t
Fair/Bad Credit
Instant $500 Credit Line. No Credit Check.
Bad Credit
Monthly reporting to the three major credit bureaus
Fair/Bad Credit

Other Questions in
Build Credit History

You've successfully subscribed!

Please specify the following:All these fields are optional

Your Credit History
Themes you are interested in:

By providing this information you help us make our news letters more useful and informative. Thank you!