I know that the topic of building credit has come up from time-to-time. For many, getting that first line of credit is kind of hard. Today, my wife was approved for her first credit card. The idea behind the card is intriguing. . . http://www.capitalon..._01_T_CP17917AW For us, I don't really care about the APR as I try to make sure credit card debt is paid off at the end of each month. I also added my wife as a joint loan holder on our car which gave her a brief credit history prior to applying (she has been on the loan for about a year). I suspect the auto loan helped w/ the approval. Anyway, this is just an FYI