It should be reporting to the credit bureau to start building your credit. Depending on how recent it is, it might take a few months for it to register but it would reflect back to the date when you got the card.In order to make the card work for you do the following:1) Make sure that you pay monthly, at least the minimum payment2) Ideally pay it all off at the end of the month. Try not to carry any balances because of interest added on to the card and if you carry a balance it can reduce your credit score3) Never be late with your payment4) See number 3, never be late with your payment. If you are late with your payment you are doing nothing to build a score but only hurting it.I am a mortgage broker and I see it all the time where people are trying to build credit and the don't do it. Your credit score is what the banks use to evaluate you as whether you can qualify for a loan or mortgage.