Help ?! Any suggestions ?

Question

I'm looking to build up my credit, its sort of bad 😔 I'm 22 years old and want a credit card to start fixing it , What's a good card to apply for that will help me out ? Or is a credit card not the way to go ? Please point me into the right direction .

Sincerely , A struggling adult 😩

Answer

Capital one will issue credit cards to people with poor credit, but have Cady high interest, like 25% depending on your score. But, the way to build your credit with the card to it charge less than 30% of the limit every month, and pay off the entire balance. This way your credit will grow, and you won't be stuck with any interest charges. Just make sure you pay it on time every time, and pay it totally off. If you start to carry a balance that will hurt your score, not help it.

After a few months capital one will give you a higher limit on the card if you have paid it on time, which should boost your score (:

Don't go crazy and get a bunch of cards right off the bat, stick with one or maybe two.

Answer

I'd go with the bank you already have so you can keep it together. Or if you fly a lot try for an airline credit card.

I'm the same age as you and decided to put my bills with my card (chase freedom) and pay it off right away.

Do not live off your card buying everything with it. Have a budget and do not max out your card.

Paying bills regularly and student loan payments also helps your credit
 
PS most people out age do not have good credit so don't fret

Help ?! Any suggestions ?

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