I came across this article and I thought, “EXACTLY!”
How to Start Getting Credit
You’ll have to start small. You will need to open bank accounts, preferably both savings and checking. Wherever you apply for credit, the lender will want to know where you live, work and bank. The longer you have lived or worked in the same place, the better.
Your First Credit. Don’t apply for a major national credit card like Visa or MasterCard without first building up a good credit rating by getting “easier” forms of credit and paying off the bills on time for at least a year. Easier forms of credit for the beginner are accounts at local department stores and accounts at certain mail order companies. You will buy products at a particular store with a credit card good only at that store, then you will be sent a bill. You will have the option of paying the whole amount off within a few weeks and be charged no interest, or of paying a minimum payment for that particular month (a percentage of the balance). You will then be charged monthly interest on the balance you have not yet paid off.
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