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Credit Card Applications » Questions » User Questions » Limited/Bad/Fair Credit » What are the most important things to know about achieving a great credit score? I have...

What are the most important things to know about achieving a great credit score? I have just got my first credit card and want to make sure I establish good credit as soon as possible.

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Congratulations on getting your first credit card. That’s a big step in the right direction if your goal is to establish good credit. The most important thing to do is to pay off your balance in full each month if you can. Don’t let your card sit in your wallet unused, either. You have to use it to earn good credit, as well as the credit card rewards that are a big perk of having a credit card in the first place. Just make sure to keep your spending under control, so it will be manageable for you to pay it off every statement period. Keep in mind that this might not be exactly once a month For example, an Overstock credit card payment needs to be made every 28-29 days, when the cycle ends. Just be sure to check your due date online, or on your paper statement.

All credit cards terms, fees and rates mentioned in this article/post are actual on the posting date. See the current products’ Terms & Conditions on the issuing banks' websites.
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