Hello, new member here and I was hoping to get some tips on getting my credit started.
Background: 24 y/o, I've also preferred to use cash because its easier for me to keep track of and I'm also worried of credit card fraud, getting my bank account wiped out, etc.
I tried to apply for a credit card through my bank M&T about two years ago. I was declined mostly because I didn't have a steady job at the time.
About 6 months ago, I got a great job. So I figured I'd try again to apply last Saturday. I found out yesterday I got declined again. The bank told me it was because I had no credit history and had only been at my job for 6 months. I really need to try to build up credit, because I would like to buy a house in the very near future.
Anyway the representative at the bank suggested I try to get a store credit card, to try to build up a credit history. I started to look up some different store credit cards and came across this site. So I had a few questions. Is this the best way to get started? If so, what are some good stores to try? Any alternatives suggestions I should try?
I appreciate any suggestions people can give me. Thanks!