Can Store Credit Cards Build Credit?

If used correctly, Store credit cards can help you to build your credit rating. This does mean that you will need to manage the account and pay at least the minimum payment consistently. If you are careful, many stores will also reward you with discounts and promotions etc.


Most credit companies, including those that issue store cards, will send information out to credit bureaus like Experian, TransUnion and Equifax on a monthly basis.


When you apply for credit in the future, it is usually one of the credit bureaus that is used to carry out a credit check to see how viable you are as a borrower.

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