Pay on time
The most effective way to strengthen your credit reliability is to make your monthly payments on time. Take advantage of free, automatic alerts to keep track of your balance, payment due dates, and purchase activity.
Follow the 20-10 Rule
Credit cards are loans, so avoid borrowing more than 20% of your annual net income on all of your loans (not including a mortgage). Payments on those loans shouldn't exceed 10% of your monthly net income.
Use a secured credit card
If you're opening your first credit card account or you're trying to rebuild your credit, a secured credit card account is one of your best options because it can help you safely build credit while making everyday purchases. Your credit line is determined by the amount of your security deposit, allowing you to manage how much credit is available to you.