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Department store cards usually go with higher interest rates, but responsible use can help build credit.

A third option is to apply for a department store card and make small purchases.

Again, the best strategy is to make small purchases and pay the full balance.

A secured card will help you improve your score and what is more, there are added benefits such as low annual fees, low introductory interest rates, no credit check, discounts on gas, and more.

Paying the balance in full also shows financial institutions that you are a trustworthy borrower.

Make sure you keep your balance-to-limit (credit utilization rate) low to improve your score. To establish a solid payment history or improve your score, make small card purchases on a regular basis and pay the balance on time and in full.

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