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Zettour | 1 years ago (raw) | root | parent | reply | flag +1 
 @svantovit @Tactical Make it one card with no annual fee and don't ever spend more than you are going to pay off before interest starts accruing (spending more does not increase your score despite popular belief). Don't bother with secured cards, someone will approve you for a regular one that won't tie up your funds.
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svantovit | 1 years ago (raw) | root | parent | reply | flag 
 This is what I wanted to say, but didn't want to go into detail over.

There are a lot of financing options for various things online these days. I know it's gay, but it's often only a dollar or three more overall. I financed a plane ticket for like $37/mo. I'm not entirely sure this effects anything, but you never know.
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Zettour | 1 years ago (raw) | root | parent | reply | flag 
 @svantovit A lot of those services don't report at all unless you miss payments, so they can only harm you and cost you money instead of establishing credit. It's entirely up to the lender whether to do it and it's a cost to them (dispute handling, tech, etc) that really doesn't make sense when someone finances a pizza.