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Hey everyone, hopefully this is the right place to ask, but I'm pretty new to credit cards, kind of avoided them because growing up they were "bad!" But since I'm older i believe its time to start building some credit.
I've never had one before and I was just wondering what would be the best starting card. I've been looking all weekend and I dont even know if i'd get it but the Discover it card seems alright.
Anyway, like i said i was just curious what some good beginner cards would be.
Ditto. Must see the lay of the terrain before you plot a course through it.
@CelleratorZero wrote:Hey everyone, hopefully this is the right place to ask, but I'm pretty new to credit cards, kind of avoided them because growing up they were "bad!" But since I'm older i believe its time to start building some credit.
I've never had one before and I was just wondering what would be the best starting card. I've been looking all weekend and I dont even know if i'd get it but the Discover it card seems alright.
Anyway, like i said i was just curious what some good beginner cards would be.
Hi and Welcome to MyFICO forums!
I think it would be helpful if you posted a little about yourself! Do you have a military affiliation? Do you have other loans on your credit report, or any history at all?
Are you a member of a local Credit Union?
I find value for most newcomers to credit to go ahead and establish a relationship with a Credit Union. Open an a shares accounts, deposit some money, get a secured credit card or loan, and then just Wait for 6 months until you actually have a score.
Once you have a credit score, you can apply for the likes of Discover or any other basic credit card. Navy Federal is an excellent CU to join if you have a parent, grandparent, or other family member that is either active duty or retired from the military.