Wasn't approved for a secured credit card, how do I build my credit?

Always use debit and dont't charge anything.

You do need to use the card, but as stated earlier, use it wisely. That means putting yourself on a budget and not spending more than you can afford to payoff when you get the bill. If you are concerned about spending too much, check to see if your card will allow you to set alerts on it.

If so utilize those to notify of you of certain things. If you can set up online access to the credit card account do so and check it often. Seeing your transactions will easily allow you to total your spending to help keep it under control and it will allow you to quickly spot any unauthorized transactions.

The MOST important thing about any credit is to make your payments on time! Don't take any chances with your credit...pay even more frequently than once per month or set it up with auto pay to ensure that the card is paid on time.

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