Your simple path to building credit safely
If you’re new to credit — or new to the US — this page shows you exactly what to do first, what to avoid, and how to build a strong credit score step by step.
Step 1: Understand how credit works
Before applying for anything, learn what actually affects your score. Most beginners waste months doing the wrong things.
Step 2: Get the right first credit card
The right starter card helps you grow safely. The wrong one can slow you down.
Step 3: Build smart habits
Credit growth is about consistency, not tricks.
New to the US?
If you’re an immigrant, student, or newcomer — start here:
Immigrant step-by-step guide →