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gonzalo96

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need to start credit

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5 Contributions
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Not much to work with

Are you with a credit union or do you have a bank account?I preffer a credit union over a big bank any day because they have much better interest rates and are much easier to work with(My opinion).Then open a savings account and start putting some money in it every month and get a secured credit card.Pay everything on time every month(this is critical)and don't get carried away with the card.I use mine to pay for things I would normally spend money on every month such as food and gas and pay it at the end of every week.There's no interest that way and it shows them that you are responsible with your credit card.After 6 months or so of paying things on time and keeping your balances low(under 10 or 20% if you need to carry a balance for some reason)apply for a credit union credit card.Don't expect a huge credit line but realize that you're just starting.After another year or so ask about getting a revolving line of credit.This gives you to lines of credit.If you've paid everything on time and have used your cards responsibily you show them you and a good risk and dependable.Good luck.  

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