Does magazine subscriptions affect your credit score?

Question

Im trying to find an easy way to establish credit without getting a credit card, Please help

Answer 1

hmm to establish credit without a credit card ....

Go to your nearest bank - or the bank you have your checking account - and ask for a line of credit.  This is a small loan amount that you have to pay back and helps establish credit.  Be very careful though.  This could also ruin your credit if you get in over your head.

Answer 2

If you don't charge it, well then no.

Even if you charge it to a credit card, it's your card company that reports your usage to the credit bureau not the magazine company.

If you subscribe to a magazine and opt for the 'bill me later' and don't pay the bill, they'll send your account to collections if you don't pay within a certain time frame.

If you're 18 or more you can apply for a secured card...try capital one or orchard bank.