A good credit score makes it easier to rent an apartment, get a car loan and qualify for better credit cards. Starting in college gives you a head start.
Pick the right first card
Look for a student card with no annual fee that reports to all three credit bureaus. If you can’t get approved, a secured card is a great alternative.
Build credit with no annual fee, 1%–3% cash back and an automatic credit line review after six months.
Rates & fees apply. Offer terms set by the issuer.
Five habits that build credit
- Pay your bill in full and on time every month.
- Keep your balance below 30% of your limit.
- Turn on autopay for at least the minimum payment.
- Don’t apply for several cards at once.
- Check your credit score monthly.
What to do after graduation
Ask your issuer to upgrade you to a non-student card, and keep your first card open to lengthen your credit history.
Ledgerly tip
Put one small subscription on your card and set up autopay. It builds payment history automatically with no risk of overspending.
