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As a rule, store credit cards are offered to people with average and even bad credit. They are often used to build some credit as well. But it is said that the Overstock credit card is offered to people with good or better credit history. So we would not recommend this card to someone who has just started building credit history. Moreover, this card comes with a hefty interest rate of 29.99% and if you are not paying the cards balances in full every month, you can accrue an unpayable balance pretty fast. Instead of applying for a store credit card, you can consider getting a regular credit card that is good for your current credit history.

If you want to improve your credit history the National Credit Direct is a great option. The company extends an unsecured line of credit and the payment activity will be reported to the credit bureaus. The card does not charge interest on purchases, but you will be charged some fees. For example, if you are late with a monthly payment, you will pay $5, and you will have to pay $15 for any returned payment.