Question

If you get a department store or gas card, what should you check to make sure it will help your credit score?

Answer 1

Things that you need to check are:
- Your FICO score (the higher your fico scores will indicates that you're financialy trustworthy)
- Check the balance. Make sure that you always pay all the required balance. Failing to do this will be recorded as failure to complete payments no matter how little it is.

Answer 2

Answer:

Retail cards, like gas cards, typically approve consumers with lower credit scores and report to the credit bureaus so that cardholders who pay as agreed can build a positive credit history.

Some gas credit cards may also give you a small discount per gallon of gas charged on the card, although these cards typically come with much higher interest rates than other cards.

Some are co-branded with a gas station company, such as Exxon or Citgo and a major card network, such as Visa or MasterCard, which can be used anywhere.

Additionally, some rewards cards issued by major card brands award extra rewards points for gas purchases, however, consumers with low or no credit may not qualify for a card with a major issuer.

Since gas is a necessity, a gas card might make more sense for someone building credit versus a department store card, which is often used for more discretionary purchases.  

Explanation: