Beginner no Credit
Hello, I'll get right to it.
I have been doing my research on CapitalOne, but it always leads to various complains of the customer service and what not. I am 20, have no loans, no debt, and in college. The places in my city offer loans to start showing a good history with payment deadlines but not any kind of beginner cards. I know it will sound like a joke, but not my parents, nor extended family have any experience with building credit so its just me figuring this all out.
I know everyone says CapitalOne is good for college students as well, would it be best to start an account, build credit to "Good" or "Fair", then change to a local place? Since I have read most of the complains start after staying for years.
Thank you in advance to anyone who replies