the card won't help you build your credit. 6.Apply for one gas card and one department store card to add to your credit mix. 7.Use your credit cards regularly, but wisely. Make all payments on time because the two most important factors in your score are whether you pay your bills on time and how much of you available credit you actually use. Establishing and maintaining good credit will make buying a home a lot easier for you. You'd be able to get a good fixed rate loan instead of having to settle for a variable rate sub prime loan. It will also help for times you may need a home equity line of credit for home improvements or a home equity loan for debt consolidation, including paying off student loans.
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