Credit Cards and Your Score: Best Practices That Actually Work

General information only; not financial or tax advice. Laws and lender policies change—verify specifics before acting.

Practice discipline; rewards are a bonus, not a reason to overspend.

Credit cards can help build a strong score if used well. The same plastic can harm your profile when bills are missed or limits are maxed out.

Use cards as a convenience and payment channel, not a source of long‑term debt.

• Autopay total due; avoid revolving balances.
• Keep utilisation low; consider multiple smaller cards instead of maxing one.
• Review statements for errors and fraud promptly.