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. How to build credit with a credit card. If you're just starting out and building your credit from scratch, consider applying for a student credit card or a secured credit card designed for people with little or no credit..
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. Use the credit card for occasional, small purchases. Since responsible card use and on time repayments will help you build a good credit history, while also discouraging the bank from closing your account due to inactivity, don't just leave that plastic sitting in your wallet. "Getting a credit card means you start a credit history and shows on your credit .
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