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 | Updated on June 14th, 2015
The content is accurate at the time of publication and is subject to change.

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.

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.
All rates and fees, and other terms and conditions of the products mentioned in this article/post are actual as of the last update date but are subject to change. See the current products' Terms & Conditions on the issuing banks' websites.
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