Is jjill credit card good as first credit card to... - Build Credit History Questions


ADVERTISING DISCLOSURE: is an independent, advertising-supported web site. 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. has not reviewed all available credit card offers in the marketplace.

Credit Card Applications » Questions » User Questions » Build Credit History » Is jjill credit card good as first credit card to start building my credit?

Is jjill credit card good as first credit card to start building my credit?

Answered on | Updated on June 24th, 2015
The content is accurate at the time of publication and is subject to change.

The J.Jill credit card is a store credit card and store credit cards are not recommended as fist credit card. The reason is simple – they come with high interest rate. The J.Jill credit card comes with 26.99 percent interest rate and if you are late or miss your payment, which is not a rare thing for those who start building their credit, you will have to pay a penalty fee of up to $35 and you interest rate will be increased to 29.9 percent. So, you will rack up interest pretty fast and it may be difficult to pay it off. Instead, we recommend you to apply for a regular credit card issued by a major credit card for consumers with no credit. The cards have low rates and penalty fees are not that high and can be easily disputed.

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!