I need a starter credit card, I bank with Wells Fargo and will start with chase soon. But don’t know how to start building credit or what cards would be good to start with right now. I know a 0% APR one

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Credit Karma does a nice job of laying out the impact factors. You only need 0% APR if you cannot pay it off. Paying your card off is the recommended method to maintain credit and not pay interest. You get better benefits with higher APRs in my experience, too. By using the card and paying down last month’s spending, you keep a rolling balance to build your score. Getting a higher balance will keep your utilization low, too. Plan ahead, as this is a card you may never want to close, as tenure average is important. You can always downgrade a line or roll your credit to another line to protect both tenure or utilization. Chase freedom is an easy first pick. US Bank if you’re in the MW also has an option to pick categories. Both are no-fee.

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Web search “credit card tiers” and you’ll find articles and videos explaining starter cards and the rest of the tiers which you may grow towards, and what to watch out for. And like M1 said, paying off your balance each month is a great approach and habit that will benefit you for life.

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