Assuming you have no credit card debt right now, I would suggest an American Express Card, since you MUST pay the balance off every month. This will ensure that you don’t get into debt, and your credit report will reflect that you can make payments responsibly. Use caution when getting credit cards…never carry a higher credit limit than you feel you need. Sometimes having too many open lines of credit available to you can negatively affect your credit score. Check the available amount of credit on your cards periodically – sometimes credit card companies will increase the amount of credit available to you. I have had to call a couple of credit card companies and ask them to reduce my credit line when I saw they had raised it to $9000 or $10,000 – I am never going to put that much on a credit card!

Anything that you make payments on will help your credit…buying furniture, a used car, a computer…as long as you are always on time with the payments…and if you can pay MORE than the min due in order to pay the loan off early, even better!!

My credit score is currently 802 and my husband’s is 798. My 1st credit card at 18 yrs old was American Express.