Get a secured credit card
Become an authorized user on a parent’s or trusted adult’s card
Open a student credit card if you qualify
Use the card for small purchases only
Pay the full balance on time every month
Keep credit utilization low
Set up autopay for at least the minimum payment
Check your credit report regularly
Avoid applying for too many cards at once
Keep old accounts open
Build an emergency fund to avoid missed payments
Use a credit-builder loan if available
Make sure your bank and card issuer report to all three credit bureaus