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Relying on the reputable opinion of the successful mortgage broker Matthew McKillen, we advise you applying for a department store credit card. This type of the credit card is, especially, good for the novices. Usually, such cards give a very small limit to start (approximately one or two hundred dollars) and give an opportunity to use the card in their stores. Still, it’s the easiest way to build a credit history. Furthermore, in the future, the application process for the Visa or MasterCard cards will be much easier.

Also learn about potential credit card debt problems.

At the very beginning, it isn’t essential to obtain as many credit cards as you can. It’s more important to create a good credit history with, probably, a little balance and minimum monthly payments. This strategy will not only create a profitable credit history but boost your credit score as well.

The basic requirements of getting a credit card are – a SSN, which all employment people obtain, a permanent address, a steady source of income, and a checking or savings account. Nowadays, it’s possible to apply for a credit card online on the secured website, which will send your personal information to the bigger financial institution.