Top 4 remarkable tips on how to use credit card to build a reputable credit history


Photo Credit: Kalawin

Acquiring a credit card is a huge responsibility. It influences most of the crucial decisions, including ones credit history as well as credit score. If you lack any credit history, you can acquire a credit card today and start building on it. Are you in search of an easy way to establish your credit? Below are detailed guidelines that you can put into practice.

  1. Pay on time as well as in full

Getting a credit card with no reputable credit history is quite a hassle. However, you can get a credit card for no credit and start building a good history. For you to become trusted, you ought to have excellent debt management skills.

A good credit score needs to indicate your ability to pay all debts on time.

When you aren’t making any loan payments, you can consider keeping some recurring expenses on a credit card. It can assist you in building credit without sinking into debt.

You must pay off the credit card bill each month in full. It will enable you to avoid paying extra interest.

  1. Treat your credit card right

When you have your credit card, you ought to keep tabs on your spending.

Have a detailed budget where you get to account for everything you purchase. You ought to treat the credit card as a debit card. Thus, you’ll get to spend what you can manage to pay in full once the bill arrives.

Once you are keener on spending within your means, you avoid getting a balance.

  1. Always keep your balances on the down-low

One of the most crucial details about credit scores is the amount you tend to owe. It usually amounts to 30% of your total score. To maintain a distinguished history, you need to have ideal credit utilization.

Higher credit utilization is likely to indicate you might miss on payments. It would also mean an overextension.

You must keep your credit card balance very low. It will offer a significant boost to your credit.

You ought to know that paying your credit card in full after the due date still indicates overutilization. To avoid this, you can choose to pay twice a month instead of waiting for the statement from your credit card company.

  1. Keep your accounts open

The more you get to use your credit card, the more predictable you are to the lenders. Once you get approved, you should start using the card responsibly.

You should shuffle from one credit card to the next in search of a sign-up bonus. Instead, you ought to find a credit card that meets all your needs and stick to it.

Any time you open a credit card account and close it, it tends to lower your account’s mean age. It could ultimately negatively affect your credit score.


You must review all your options when choosing a credit card for no credit. It will enable you to start building your credit history when you lack any.


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