I’ve been using my Aspire credit card for a year or... - Build Credit History Questions


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Credit Card Applications » Questions » User Questions » Build Credit History » I’ve been using my Aspire credit card for a year or so and now I’m closing it because my...

I’ve been using my Aspire credit card for a year or so and now I’m closing it because my credit score hasn’t changed much even though I’ve never paid a penny late. Can you recommend me a credit card that will give a real improve to my credit?

Answered on

You can apply for a credit card issued by a major bank and not by a credit union. Banks usually report credit card activity every month to all three major credit bureaus, so you will be able to see credit score changes as fast as in three months. When you are improving your credit, it is important to make monthly payments on time with all your creditors. Try not to miss or skip monthly payments. Also, keeping balances low is good for your credit. You can use up to 30% of your available credit or pay your balances off each month.

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