- Centurion Member
- Posts: 388
- Joined: Thu Nov 21, 2013 1:13 pm
- Location: United States
Yes, the sooner you start building credit, the better.
My advice is to go to your bank and sit down with them. Explain your situation and that you want to start building credit. Try to get a credit card through them. They are likely to either approve you with a small credit line or give you advice on how to get one in the future. (If you do not have a bank account, that is step one!).
Are you a student? If you are, there's actually a chance you can get a student credit card. Try for the Citi Forward or Discover it. Citi has branches you can try going to in person for the same face-to-face experience you would have at your own bank.
My first two credit cards were a bank one and a Citi Forward. I was a senior in college with no credit history except for being an AU on my mother's card.
Citi Forward ($10.1K), AmEx Blue Cash Everyday ($30K), Chase Freedom ($12.4K), Discover it ($5.5K), Barclaycard Arrival ($12.5K), L.L. Bean Visa ($5K). FICO 806 (TU), 812 (EQ), 806 (EX).