Getting Credit Cards to build credit

[Quincy Gordon Jr.]

Hello BP community, 

I am trying to decide what other credit cards should I get to help build my credit. I have no previous credit history so the mortgage loan officers I've spoken to have said to start building credit and to have at least three lines of credit. 

Currently, I am getting a discover secured card and I am considering getting a Best Buy credit card and then an airline card (I don't know which one yet). 

I don't if I am making the right decision should I just apply for another credit card from another bank? And my last question, how long should I wait before I get each card or that does not matter? 

Thanks for any help 

[Megan Phillips]

1- Get a credit card from your bank if they offer one, if they don't, go to a local credit union.

2- Get a card with no annual fee and an intro 0% APR (all types of vendors have one - AMEX, Chase, Discover, etc)

Airline and Hotel CCs are only worth it if you actually travel regularly... like, monthly - and usually have annual fees, some can be HIGH (~$500). If not travelling that much, get a card that offers "points" or cash back that you can redeem for flights/travel if needed.

It's generally not recommended to get any "store" cards - they are junk. 

You should be able to apply for and get a couple right off (they will show instant approval online) - if you get denied for one, it may be beacuse too many credit pulls, so just wait 30 days or so and try again.

I can provide you with a referral links for some cards if you want them (gets us both "points") - or just google "credit card comparator" or something and you will find 1000 sites that compare cards. Just be simple - no annual fee, intro 0% apr, no store cards. Pay off monthly.