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LClinton25

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how long do I wait to apply for a credit card since i have never had one?
how long do I wait to apply for a credit card since i have never had one and now that i have a open auto loan will that help me recieve a chance to have one?

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No reason to wait to apply.  Whether or not you qualify depends on your credit score(s).  If you are afraid you may not qualify, you can always get a secured credit card.  Go to www.creditcards.com and compare all the available cards; rates, fees, etc.  Be sure to get one that reports to all three bureaus.  Be aware that any time you apply for credit, that will be an inquiry on your credit report, which accounts for 10% of your credit score.  It's a small hit and in my opinion worth it to obtain some good credit.   To learn more about building credit, go to www.credit.about.com; lots of great info there.  Good luck!

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