I work in this industry. What My husband and I did to start out was to get whatever credit card we could, and through our bank was the easiest. Then we used the card as an ATM, keeping track of the balance, so as not to over spend, then paid them off EVERY MONTH. This created a revolving balance and shot our credit scores up. The want to see that you have open accounts that have balances and are being paid. I would strongly reccomend NOT getting a card together. There is no benefit to this. If you have no credit, usually your bank will give you one with a really low, restricted balance, or a prepaid balance. This is where you start. Just don't make the mistake everyone else makes by over spending!!! It takes most people 10 years to recover from high balances or sharing cards with people who abused it and left them with the balances.
at 9:54 PM on Jan. 3, 2009