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I got a credit card about 4-5 years ago to build up a credit history also. I applied for a card with the bank that I have a checking account with (for about three years at the time) - they turned me down saying that to get a credit card from them I needed to have a credit history and it didn't matter that I had an account there. Great circular logic they have... So I applied at Citi (MasterCard) and so far it's been pretty good, though not really any benefits. Like most people here have said, just be sure to pay it off, keep the spending sensible and you should build your rating up.
Jam it back in, in the dark. ![]() |