Credit card worth it?

Hi to all. I have really bad credit and want to start rebuilding it. I got pre- approved for premier bankcard platinum mastercard. I know next to nothing about how credit cards work or how to build up credit. I would need to pay a $95 program fee in addition to a $99. It also said that there is a monthly fee but I wont be charged in the first year and that the annual fee wont be charged until the second year.
I really want to start rebuilding my credit but is this offer worth it.

download the app credit karma so you can keep track of your credit. Then try to open 1-3 cards a year that have no annual fees. This will help with your credit utilization and credit limit. make sure you pay off all your bills on time. I have about 12 personal credit cards, 7 business credit cards. I have all of them on auto pay and use 1-2 purchases on the 11 cards to keep it active. One of my card has a annual fee (chase sapphire) and that's the card I use for almost everything.

the most stupid advice in this site yet smfh.

this mf has a sht ton of hard inquiries guaranteed smfh

Credit Karma is known to lie about everything. even the credit cards they promote are known to be crap, they only promote them because they get a cut from people signing on them.

the card you mentioned is trash. avoid it.

apply for one with Capital One, Wells Fargo or Bank of America (capital one is known to accept pretty much anybody.)

use the card ONLY to pay for small things like gas or your netflix subscription etc. pay it off completely before the due date.

keep in mind every time you apply for a credit card it will make an inquiry on your credit and affect it. just get 1 or 2 cards, having too many makes your credit look bad and go up even slower.

only a true rètard has a credit card with annual fees when there are so many out there without any.

the other thing that will skyrocket your credit is a car loan, but be careful some dealerships dont report to all the 3 credit bureaus, i played it safe and went to CarMax and they told me all the banks that approved me and how much interest rate i was paying on each. right now is not a good time to get a used car but if you have to make sure you get a real cheap car with a huge down payment.

i went from having a score of 380 to 640 in a year.

Only 640? LOL, noob. Give advice when you are at least 750+.

800 here, brother. ‘bout to buy a car for Christmas. fuck it, we will be fine. DACA FOREVER.

the higher the score shows the higher the dependency on borrowing money you do not have lmao

unlike you wagie, i buy everything cash i do not live paycheck to paycheck like you. the only reason i even bothered to up my credit was for a lower interest rate for a mortgage and to lower my car insurance rate.

my parents are worth more than you and your parents put together and never bothered to build credit since they always had the plans to go back to mexico with all their wealth, they also retired in their 30s.

i also manage the budget for multi million industrial plants accross the country my guy. really amusing how envious of me you are following me accross the site replying to my stuff. an hero.

impressive, very nice.

The next Donald Trump right here.

You still illegal AF....lmfao...That's over 68% jump actually, quite impressive...but I'm sure that would go right over your head

MAGAs stick together. Also, aren't you supposed to be a certified accountant? No finance company, lender, or bank is going to care what your score WAS or how much it raised by. LOL, they just look at your current score. Good luck saying.... "but, but it used to be 380 and grew over 60%!"

Buying everything cash is downright stupid for many reasons.

BoL constantly emits small D energy.