One easy way to establish credit is to get a retail card. It’s also a great way to build credit and enjoy the benefits of valuable perks.
In some ways, credit card approval might be easier, although they’ll start you off with a small limit. They also typically do not have an annual fee. It could be an inexpensive and low-risk way to establish credit as long as you pay your bills on time.
There is a downside…
Retail card rates can be higher than a regular credit card.