what is the best retail credit card to establish credit?

Answer 1

The best retail card to establish credit is where you shop.

If you shop at Target, Walmart, get your gas at Chevron/Texaco, (to name a few) apply with them

Though I wouldn't recommend that you apply with Old Navy when trying to establish credit, for a store card they are very hard to get.

Answer 2

I would avoid retail credit cards altogether. They have extremely high interest rates (23.99%-29.99%) and lots of hidden charges. They actually make credit cards specifically for people with poor / no credit. You can find a complete list here:

http://www.asapcreditcard.com/unsecured-offers.html

While these credit cards tend to have higher interest rates (and some additional fees) when compare to 'standard' credit cards-- you'll pay a lot less than a retail card. Plus, they'll help you build your credit and improve your credit score.

Eventually, with regular, on-time payments-- you'll be able to apply for better credit cards with lower APR's and less fees.

Hope this helps. GOOD LUCK!

Answer 3

establish credit - that sounds like a spit shine on go really far into debt. Don't worship at the alter of the FICO score. Pay all your bills on time. Needing credit is a myth. Good documentable income, personal reference will get you a good mortgage...what else do you need to finance?
Use your money to save for tomorrow, not pay for yesterday!!!

Answer 4

I'm going to guess Capital o|One but you can look in Money Magazine or any of the other financial periodicals for the best and current rates.

Answer 5

One with the lowest limit. Forget credit cards. They are a curse and the benefits do not outweigh the consequences.

Answer 6

best is a bank or gas credit card. If its not backed by a bank (example J.C. Penny's) Then its a minus on your credit score.

Answer 7

I like macys..