mercy wrote:Thanks for the responses guys, I appreciate the willingness to help.
CarefulBuilder, no I haven't had a bankruptcy and my credit is not so good. I'm around a 580 and I've never had a CC. I'd like to find a card with a company that is reputable and has good customer service. Lower fees would be a bonus since I will probably need to hold onto this card for a number of years but not necessarily a make or break factor. If I have to pay a few extra dollars to get a card that I'll be happy with I won't hesitate. BofA sounds appealing if they offer the chance to graduate the card. Is their screening very strict?
Kevin, I never thought to get more than one card but reading on I see it may be a good idea. Thanks for the advice. There seems to be a laundry list of rules to follow for best credit grooming. This may be a long journey.
Do either of you guys know if the secured CCs will give me access to a monthly FICO score? That would be a great asset.
It sounds like you're on the threshold for a BofA secured card. I'd try that first. If that fails, I'd go with a credit union or maybe Capital One.
Capital One offers some sort of credit tracking, but I don't know the details.
My priority in your situation would be to start building CC history and getting a basic rewards card soon. I think the BofA secured (at least temporarily) card would offer the best path to that. In two years, you could (possibly, it's not guaranteed) have two years of CC history on a no-AF rewards card.