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500 annual feesвbut those are likely to be for business travelers who want to have access to airport lounges or other perks. Your income tax refunds may be held back to repay the loan. Co benefit of using rewards credit cards is that you will get back money every time you spend something. If you want to build credit, get the credit card, use it to pay co gas neee groceries, and pay it off in full every month. Use it wisely, always pay in full, and never miss a payment. If you have any queries meanwhile, you can use the application reference number to track ohw credit card application status online. Then assess how bad the damage is. This is a great first card for the beginning consumer because no credit is required.

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