@shondamartin_: Stop putting off building your credit just because you can't get your preferred credit card! Establishing a solid credit history requires active participation, not just the passage of time. To build credit, you must start with a credit card. Don't wait—apply for one as soon as possible, even if it means starting with a subprime card due to bad credit. Allow it to age for 12 months, and then try applying for the card you initially wanted. Good credit requires strategic steps; take the first one today!