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Question By
leaesb1

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Would it be wise to open a credit card or dept store credit?
I currently have no credit cards.

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Top Contributor
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if you are trying to build credit, then yes it could potentially help you.

Top Contributor
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Regular card over store card any day. For credit building purposes get a secured credit card if need be (if you cannot get an unsecured) rather than getting a store card. Definitely do not delay getting a card though as revolving activity is very important to your FICO scores. You should see a nice boost in scores just by opening a credit card if you currently do not have one. For credit building purposes you should try to get 2 or 3 cards. You will see another increase after opening your second card (not as much of a boost as the first card) and the third card could take your scores either way (just slightly) depending on your profile.

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