If you're going to apply for a retail credit card, register at a store you frequent rather than one you visit occasionally just to purchase big-ticket items, says Linda Leitz, a financial planner based in Colorado Springs, Colo.
Applying for a retail card at a mass chain such as Target, which sells everything from groceries to clothes to laptops, may be a smart option for a 20-something looking to further build their credit history. The card allows you to get free shipping on online purchases. When you use it to fill five prescriptions at a Target pharmacy, you’ll get a rewards certificate for 5% off your next purchase, in addition to the 5% discount you get on all Target purchases as a cardholder. Keep in mind, however, that you’re only able to use the card at Target stores.
Target Red Card