I recently got my first ever credit card. I want to... - Build Credit History Questions


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Credit Card Applications » Questions » User Questions » Build Credit History » I recently got my first ever credit card. I want to make sure I establish good credit as...

I recently got my first ever credit card. I want to make sure I establish good credit as quickly as possible. What is the fastest way to do this?

Answered on | Updated on April 15th, 2016
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.

Disclaimer: This editorial content is not provided or commissioned by the credit card issuer(s). Opinions expressed here are the author's alone, not those of the credit card issuer(s), and have not been reviewed, approved or otherwise endorsed by the credit card issuer(s). Reasonable efforts are made to present accurate information, however all information is presented without warranty. Consult a card's issuing bank for the terms & conditions.
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