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Pretty easy. I started with a Walmart Credit Card last November. Around March I got a pre qualified letter for a Sams Club Discover Card which I was able to get and recently got a Belk store card issued by GEMB. I have yet to have any problems with them whatsoever. Carry balances on all cards and use them every month. Usually pay 2-3 times amount due each month and always pay on time. Did not have much of a credit score back in November and am still rated poor - fair based on number of hard inquiries and short age of open accounts. But on time payments and using the cards so they can make money on the interest payments I believe helps with them

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15y ago

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