Excellent advice ambersun. Just like you, my first experience with credit was in college. I used to get calls and offers through the mail all the time and that’s how I got my first credit card. I wish it was as easy now for me to get credit as it was back then!
Unfortunately I didn’t use credit responsibly then and I’m suffering for this now that I have a family and want to buy a house (I’m sick and tired of paying rent and living in small apartments!). But well, I just need to be patient. I’m using the Capital One secured card to rebuild my credit and I think I’m moving in the right direction (hopefully).
It’s good to hear from other people that have been through this so thanks for posting!
If you don’t mind the question, can you tell me what is the other MC that you have (is it a secured card?) and also, how has your experience been with the Capital One Card.