Building credit - beginner

Building credit - beginner
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Hi all,

I’m in the science field, preparing to go off to medical school and so it’s fair to say that my knowledge on credit and finance knowledge is very low.

I have a few loans from undergrad and have been working full-time for 2 years. I have never had a credit card.

What are some of the ways that I can build my credit? If you would suggest credit cards, what sort of credit cards and options should I look into?

As of now, I have an average score. Thanks all for your assistance.


Hi ksfitzpa!

Like you, I didn’t get a credit card until a few years after I graduated college. (Even though I worked at NerdWallet at the time!!)

I pretty much had zero credit history, but I was able to get my first credit card by contacting my bank and asking for their most basic card, which has no annual fee. (Don’t expect to qualify for a rewards card right away). Then, I started charging things to it and paying off my entire balance in full each month. I set up autopay so I wouldn’t forget.

You may need to start out with a secured credit card, which is backed by a cash deposit equal to the card’s limit.

This article may be helpful as well: 11 Things You Should Know Before You Get Your First Credit Card.

Best of luck, and congrats on beginning your med school journey!


Thanks, Teddy, for the great advice and resources!

Will give these a look.