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Resources & Tools

How To Effectively Build Credit

Building credit is important for consumers who plan to eventually make large purchases, such as a house or a car.
Here are 5 tips on how to effectively build credit:

1. Get a secured credit card

If you have no credit history, you may not qualify for a “normal” credit card, so a secured card is another option.

2. Open a credit card

If you can get a regular credit card, make small charges on it and pay the balance off in full every month.

3. Become an authorized user

If you’re a student, you should consider becoming an authorized user on someone else’s account, such as a parent, to build credit.

4. Request a credit limit increase

Having a higher limit lowers the credit utilization rate and increases your credit score.

5. Practice good habits

Make all of your payments on time and in full.
Building a good score can take several months of on-time payments.

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