No. of Recommendations: 2
While Earlytorise is correct in saying that there are ways around needing a good credit record in order to secure a mortgage, having a good credit record never harmed anyone, and in certain cases can help in terms of insurance rates. And having a credit card can be helpful in cases where you suddenly need to make plane reservations or deal with other emergencies.

So, since you're starting from scratch, is there a particular gas company you use a lot? Or a particular store where you shop a great deal? If that store or gas company offers a credit card you can sign up there. It will probably have a low limit, but it's a start.

Use it a few times for something you would buy anyway; don't buy something just to use the card. Pay the bill as soon as it arrives. Ignore people who tell you that you need to carry a balance. Then you can see about getting one of the general use cards. I'd recommend a Visa or MasterCard, since not everyone will take American Express or Discover.

You can also check with your local bank. It's often easier to get one with a place where they know you.

Hope this helps.

And congratulations on managing your money so well!

Nancy
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