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@thomasjh According to clearscore I have a high chance of being approved for a Discovery Gold credit card where as I only have a moderate chance of being approved for a store account. Should I take the leap and apply for a credit card? Or should I start small and go for a store account?

Hi there, I’d like some advice on how to build my credit score. Something inside me told me to check it the other day, so I checked ClearScore and saw that my credit rating is -1. I guess that’s bad, so I’d like to do better. I’m 27 and have only been working my first real job for the last 6...