Difficulty: Moderately Easy
Tips & Warnings:
- You can find some other great articles on credit cards at www.CreditMoneyFinance.com
- Keep in mind that if you are delinquent on one credit card that any other credit card may raise your interest rates without warning. So stay on top of your due dates.
Step1
Shop around for a great credit card. Do you need one that gives you gas rebates? Maybe a student credit card or just an instant approval credit card. Take your time, if there is a special offer, make sure you read all the fine lines, and go for it!
Step2
Once you are approved, if you really want to build up a decent credit history you must make a purchase substantial enough to begin making monthly payments. Your credit card limit will depend on factors such as your time in the credit bureau system, length of residency, and of course any other credit history already existing.
Step3
Now it is time for you to break in your credit card and buy something worth going in debt for and possibly paying more than the original price tag. Separate your wants from your needs. Then plan for the monthly payments to be early, more than the minimum due or even double the minimum amount. If you decide to break in more credit cards just remember to stay on top of your due dates. In the future if you decide to get rid of one of your credit cards, make sure you keep the oldest credit card established so your credit rating will not suffer. There you have it...enjoy breaking in your new credit cards!
Novice 
