Congratulations on beginning your credit journey. You’ve done the first thing you needed to do, which is to actually get a credit card. Now you just need to begin using it, and make sure you pay your bill on time every month. That’s really all you need to do to build great credit. However, it’s good to know the factors that go into a credit score as well. They are: payment history, credit to debt ratio, length of credit history, new credit utilized, and types of credit used. The most important things to remember are to make payments on time, and to try to pay off your balance in full each month. If you do that, you’ll be in good shape. Try not to max out your card, make payments on time, and you’re on your way to great credit.