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Use this card every month for a purchase you are already going to make. The second drawback is in using the CD to secure the loan. After keeping your account current for a year, ask them to refund your deposit. If you are still practicing get out of debt strategies, add just the minimum to this account until you are through with your debt reduction program. Regularly use the card, and occasionally patrica a small balance. Keep applying until you get denied. You can start with a small credit line. In most cases, to build credit you have to use credit, and this almost always means incurring an interest charge. This is a great place to put the funds from paying yourself first. Some say that making triple the monthly payment will grow your credit faster, but a single payment is sufficient. |
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