The content is accurate at the time of publication and is subject to change.

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.

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Disclaimer: This editorial content is not provided or commissioned by the banks or credit card issuer(s). Opinions expressed here are the author's alone, not those of the banks or credit card issuer(s), and have not been reviewed, approved or otherwise endorsed by the banks or credit card issuer(s). Reasonable efforts are made to present accurate info, however all info is presented without warranty. Consult with the issuing bank of the card or account for terms & conditions.
All rates and fees, and other terms and conditions of the products mentioned in this article/post are accurate as of the last update date but are subject to change. See the current products' Terms & Conditions on the issuing banks' websites.