Often, department store credit…
…cards are easier to obtain. Those stores give out credit more freely because they know it increases their sales. These are good starter cards.
When you receive one of these cards, use it carefully. Most consumers believe credit card companies like cardholders who pay off their cards every month. Wrong! They prefer cardholders who maintain a balance and pay them interest every month. However, as your balance gets close to the limit, they start to worry that you won’t be able to make your payments. So, to build your credit quickly, you should never charge your card up to more than 50% of the limit, and never pay it down below 35% of the limit.