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Question By
Dnicen

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BEST CARD TO CHOOSE WITH A THIN CREDIT FILE???
Hello I just checked my credit score and it said "TransUnion credit report indicates you have a thin credit file." I was wondering what Credit Card would be best for me to bulid some credit? Here are a few options I found!

1.Capital One® Secured MasterCard®
https://www.creditkarma.com/creditcard/CCCapitalOne1012?originEvent=1323166253

2.First PREMIER® Bank Classic Credit Card
https://www.premiercreditcardsf.net/CardDetailsPage/BKMYJGQS1%200719OMI

3.Platinum Select
MasterCard® Secured Credit Card
https://www.progresscredit.com/card_options

Any other suggestions?

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Best Cards

Any secured card will help build your credit as long as they report to the credit bureaus. I have had good luck with Capital One with unsecured cards but remember that secured cards charge you interest for using your own money so choose one that not only reports but offers a decent interest rate. Also try to deposit as much as you can because that becomes your credit line and affects your utilization which is a big part of your credit score. Use the card to build a history but try to pay it off in full each month or at least keep the utlilzation to 20% or lower. STAY AWAY from Frist Premier unless you absolutely have to use them. It is a total ripoff. Their fees are ungodly and in many cases over 50% of your credit line is gone before you even get your card in fees and charges. 

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