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Consider a loan for credit building.

How Beginners Can Build Their Credit Fast

This is considered to be an alternative to using a credit card.

You can also utilize the loan along with a card. In fact, this will be an excellent strategy. Just remember to apply for the loan at least six months after getting the card.

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The special credit building loans are available from credit unions, which require membership, and from some community banks. You are granted a small loan that you repay in installments over a period of one year.

You will actually not be able to use the money, however. It will stay in an interest-bearing account so at the end of the period you will get the principal plus interest.

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