 TITLE: Can Store Credit Cards Build Credit? CONTENT: Other Ways to Build Credit\n--------------------------\nBeyond responsibly managing a store credit card, here are some other ways to build credit:\n*   **Get a secured credit card.** Secured credit cards are easier to qualify for, but issuers require a security deposit to activate the account. The money is usually held in a savings account and serves as collateral in case you fall behind on payments. If you're having trouble getting an unsecured credit card because of a limited credit history or low scores, a secured credit card may be a good option. Before applying, confirm that the card issuer reports account activity to the credit bureaus. After six months or more with the card, you may have improved your credit enough that you're able to get an unsecured credit card. Some card issuers may even convert a secured card to a traditional credit card after you demonstrate you can responsibly manage the account.\n*   **Get a credit-builder loan.** You can also apply for a credit-builder loan from a bank or credit union to build credit. With a credit-builder loan, the lender puts the loan balance into an account and has you make monthly payments on it over time. When you pay off the loan, you'll get what you paid toward it. It's a way to build credit while saving money, and you may even make a little bit in interest. Check with the lender before applying to confirm payment activity is reported to the credit bureaus.\n*   **Ask for a credit limit increase.** Already have a credit card you manage well? Reach out to the card issuer and request a credit limit increase. An increased limit can help you keep your credit utilization lower, which could help your credit scores.\n*   **Become an authorized user on someone else's credit card.** Ask a parent, relative or friend with good credit history to add you as an authorized user on their credit card. The positive payment history will be added to your credit report and could improve your score. You can request to be removed from the account at any time, and you won't be held responsible for the balance.\n*   **Add your utility, cellphone and other on-time payments to your credit reports.** Experian Boost™† , a free service from Experian, can add this positive payment history to your credit report, which can instantly help your score. END