You can find out more information at banks td.com and others

but as far as i know it paying bills on time and paying you credit down over 1 - 3 years time.

Basics of building credit is making a purchase in advance and paying back which shows you’re responsible.
If you’re making a car payment, then your credit is building.
You can research credit cards with the lowest interest rates at and apply. Once you have one credit card, you’ll get more credit card offers in the mail than you can handle.

Make a small purchase and pay it off in 2 weeks.

Id recommend Orchard Bank credit card, they are for building credit and very easy to get approved for, Im a college student and had no credit either, but ive been building up my credit with my utilities and that credit card, just recommend you charge really little amounts because after 6 mths they raise up your interest without good reasons. They just sent me some little form saying my interest rate would be increase on my next billing cycle due to my credit review, which is crazy because I’ve always made my payment ahead of time and I even pulled my own credit report now and its around 650 so compared to not having any thats pretty good. Im just going to keep it for the full year and then apply for the bank of america student credit card or a wamu one, I’ve been getting offers already. Anyways best of luck to you!

I have a USBank card (visa) that’s great. I’m only slightly older then you and got my credit card about 8 months ago.

What I did was whenever I was going to buy something I was going to buy anyway no matter way (food, books, pay for classes at collage) I would use my card and then go online that next day and pay it off.

Another thing is when other family members were going to buy things for a lot of money I would have them write me the check and then put it on my card, again paying it off within a few days.

This works really well because USBank has online banking and you can do everything with paying your bills online can apply for your card online too. Another good bank is TCFBank.

Also every 6 months ask for more line of credit on the card, even if you would never use all of the money they’ll allow you to have (and you shouldn’t) the more credit you have vs the credit you actually use vs the credit you don’t pay off at the end of the month will play a big part of your credit score.

In just a few months my credit went from the cell phone company telling me they would want 500 down on a cell phone plan (I never had any sort of credit before) to sending me a card in the mail telling me I would be able to get a razor phone with a great plan no money down other then the 30 set up fee.

Only get one card at first and then wait at least six months if you want to get a second however if you keep your first one payed off and only buy the things you were going to buy in cash anyway you’ll be able to get more and more line of credit every few months.

Aside from buying a house, car, or boat this is about the best way to do it.

Good luck.

That’s good to already have discipline.Keeping it simple if u r a student ask about a student credit card at your school, it’s easier 2 get approved. Otherwise go to bankrate.com and compare different credit card rates.If your srtict on building credit then here is a good tactic. Once you have a credit card before you use it buy a money order for the amount you plan on charging and mail it right in before you even use the card. Now if you want to keep it even more simple, I should’ve said this first, get a rushcard or any pre-paid credit card this way you can’t lose. Build credit and you don’t chance getting bad credit. I hope I have helped you

Maybe you can try below website to get the information you need. It’s about secured credit card to establish your credit articles for your second opinion.

The important thing is that you first know what it is you want as well as where you currently stand. The fact of the matter is that there are a lot of credit cards out there that would fit your personal preference and lifestyle. If you are still in college, there are various student college credit cards you could choose from. One is a Citibank Platinum Dividend college student credit card. Balance transfers are allowed in this particular credit card as well as a cash advance facility.

Also, cash backs are earned in this credit card that is worth two percent on purchases made at stores, gas stations, as well as other basic utilities. This college student credit card allows one to build early on a credit history.

Fortunately, this student college credit card does not require one to pay an annual fee. Plus, one also needs to have good credit standing in order to be eligible for one.

Another college student credit card is one that is offered by Discover. There is no annual fee required and there is 0% APR on purchases that are made in six months.

That is if you are still in college, the above credit cards could apply to you. However, if you are one of those who may have bad credit, fear not. The fact of the matter is that there is still a credit card that could help you get out of your current financial rut (and put you in another one – just kidding). Read more about it at:

Orchard bank or chase

Here’s the strategy to use for building credit and earning rewards:

1. Do all/most of your “normal” spending through your credit card(s) without max’ing them out. (”Normal” spending is that which you would normally buy with cash and have cash to cover.)

2. Pay your monthly balance(s) in full every month.

That way you’ll build your credit as quickly as possible and avoid paying interest.

Now the only question is, which credit card(s) will pay you the most in rewards for your normal spending profile? You can use this rewards calculator to see how much each of the various rewards cards will pay you for your normal spending:

If you haven’t established your credit at all (via loans, etc.), you may have to get a non-rewards card at first.
In that case, there’s a “Browse Cards” link at that above web site that will help you locate credit cards for people with “fair” credit, “bad” credit, etc.