The other credit issue is a check card is in no way going to help you build credit. I refuse to use check cards as you have little protection from the bank. If there is a a charge you did not make with a check card the money is already gone, and you have to fight to get it back. I some cases if it takes too long you will not pay your other bills as you are waiting for the bank to return your money. Late bill payments = hurt credit score.
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