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@roldfox Also just because they offer you (and will tell you you qualify for) the higher tier card doesn't mean you should or have to take it. Way back when FNB wanted to give am a gold credit card with R100k credit. I was like no thinks, I want the plain blue card with R5k credit thanks. The...

@ledlites IF you are able to be financially disciplined, this is the best way. Preferably do not get a store card (for now anyway). And remember ANY credit you get is NOT FREE MONEY, it's just an opportunity to get into debt, so be VERY VERY CAUTIOUS and disciplined with credit!