- 1). Purchase something with your credit card every month. It does not matter how much you spend, nor what you buy, just make sure the Visa or MasterCard is being used every month.
- 2). Pay off the monthly balance, in full, every month. This not only builds your credit score slowly but prevents you from paying interest on the purchases.
- 3). Repeat the process every month. Some credit card companies actually charge a fee for not using the card for a certain period of time.
- 4). Avoid canceling the credit card. This closes a known source of credit and can actually bring down the credit score.
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