 TITLE: How Can a Starter Credit Card Help Build Credit? CONTENT: Why It's a Good Idea to Get a Starter Credit Card\n-------------------------------------------------\nIn most cases, a starter credit card won't have ideal terms. But it's still a good idea to consider getting one if you're new to credit. The most important reason for one is that it'll make it easier to qualify for inexpensive credit in the future.\nIf you wait until you need to buy a car or a home and don't have a credit history, you may have a hard time getting approved. Even if you can get an auto or mortgage loan with a limited credit history, you're unlikely to qualify for the best terms and interest rate.\nBuilding a good credit history can also help you in other ways, including:\n*   Improving your chances of renting an apartment, home or condo\n*   Giving you an advantage over other job candidates if a prospective employer runs a credit check\n*   Reducing or eliminating the required deposit when signing up for a utility account\n*   Decreasing your auto and homeowners insurance premiums\nIt can take a while to establish a good or excellent credit history, and the sooner you start building your credit, the sooner you can start reaping the benefits. END