Don’t use your credit card for items you can’t afford.

Financial Football

Understanding Credit
Building Your Credit History

  • Establish a steady work record.
  • Pay all bills promptly.
  • Open a checking account and don't bounce checks or overdraw your account.
  • Open a savings account and make regular deposits.
  • Apply for a local store credit card and make regular monthly payments.
  • Apply for a small loan using your savings account as collateral.
  • Get a co-signer on a loan and pay back the loan as agreed.
  • Call your credit card issuer. Ask for a lower interest rate if you pay your bills on time.
  • If you use card responsibly- you can build good credit and spending habits.