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While you are looking at Sound credit cards, we would recommend you to consider credit cards offered by major banks as well. The reason is if you are not a Sound member, you will have to become one to be able to apply for a Sound credit. As for the banks’ credit card, you can apply for any credit card anytime you wish. As for reporting, unfortunately there is no clear information about whether Sound reports credit activity or not. Therefore, we would recommend you to contact the union directly to get the information you need. The credit card offered by major banks are reported to all three major credit bureaus monthly.