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Building credit responsibly
Habits that help your credit over time, and the ones that hold it back.
Credit is built by borrowing and repaying on time. The habits that matter most are paying every bill by its due date and keeping your balances low compared with your limits.
A long history helps, so keep older accounts open when they have no fee. Apply for new credit only when you need it, because each application can affect your score for a while.
Check your score and report regularly. Reviewing your own score does not lower it, and it helps you catch mistakes early.
