Q: I'm trying to build my credit and have been using a secured credit card for a few months. I recently applied for a standard credit card but got turned down. Is it best to continue using this card, or should I apply for another type of credit card, such as a department store or gas card?
A: Congratulations for getting started on building a sound credit history with your secured card! As you continue, it makes sense to apply for a department store or gas credit card. These can be easier for first-time borrowers to obtain and are a great way to demonstrate responsible credit use over time. Once you have a steady record with the secured card and a department store or gas card, your credit score
should improve and you may start receiving standard offers in the mail.
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