I am new to the big world of credit and I was... - Build Credit History Questions


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Credit Card Applications » Questions » User Questions » Build Credit History » I am new to the big world of credit and I was thinking about starting to build by credit...

I am new to the big world of credit and I was thinking about starting to build by credit history. The problem is, I have not yet decided what credit card would be a good card for me to start with. I have been planning on buying a new mattress from Sleepy’s. Do you think the Sleepy’s card would be a good card for me to start with?

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

Well, the thing about finding a credit card to use to start establishing your credit history with, there are a few things you are going to want to have in the card. First of all, you want to make sure the card you are applying for is a card that you are going to be smart about when spending with it. If you earn a debt that you have trouble paying back, it will look really bad to credit bureaus and future lenders. And secondly, you want to ensure the card you have is reporting credit activity to major credit bureaus. The Sleepy’s card is issued through Synchrony Bank so this card does report credit activity. If I were you, I would find a general credit card with a lower APR to make your purchase with.

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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