 TITLE: What Is the Easiest Credit Card to Get With No Credit? CONTENT: How Can I Build Good Credit?\n----------------------------\nOnce you get your credit card, use it responsibly so you can build good credit and avoid interest charges. Managing a credit card wisely can be one of the most effective ways to establish a positive credit history. Here's how:\n*   **Use only a small portion of your available credit.** To build credit, you generally want to keep your credit card balance low relative to your credit limit. This is known as your credit utilization rate or ratio, and it plays a large part in your credit scores. To determine your utilization ratio, divide your credit card balance by your credit limit. For the best scores try to keep your utilization rate below 7%.\nOften, card issuers report the balance around the end of the statement period, which may be a few weeks before your bill's due date. If you use a large portion of your card's available balance one month, try to pay down the balance before the end of the statement period to decrease your credit utilization. Ideally, pay your bill in full every month to avoid interest charges.\n*   **But do use your card.** While you may think that not using your credit card is a good thing, if you never make purchases with it, your card issuer could close the account. Using your card regularly—and paying off the balance—shows future lenders that you can manage credit without getting yourself into financial trouble. If you're mainly using your new card to build credit, consider putting one of your monthly subscriptions on the card and paying it off every month.\n*   **Make all your payments on time.** Payment history is the most important factor in calculating your credit scores, and making all your payments on or before the due date will help you build a positive credit history. On the other hand, one late payment can damage your credit. Even if you use your credit card more than you anticipated one month and can't afford to pay the entire bill, as long as you make at least the minimum required payment on time, your card issuer will report your on-time payment to the credit bureaus. END