Beginner Credit Building Guide
New to credit? Keep it simple: low limits, small purchases, and full payments every cycle. This guide shows a safe, practical routine.
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Starter routine
Enable app alerts, set auto-pay total due, and keep utilization under 30%.
FAQs
Secured vs unsecured?
Secured cards help thin files; upgrade when history improves.
How to avoid overspending?
Use budgets and treat the card as a convenience, not extra income.