Once you have a secured credit card, use it responsibly to build a positive credit history 

Make purchases within your credit limit and pay your bill on time and in full each month 

This will show lenders that you’re a responsible borrower and can be trusted with credit 

Regularly monitoring your credit score can help you track your progress in building your credit history 

One free credit report is provided annually by each of the three major credit reporting companies 

You can check your credit score frequently thanks to a variety of internet resources and credit monitoring programs 

As you use your secured credit card responsibly, you may be able to gradually increase your credit limit 

This can help improve your credit utilization ratio, which is the amount of credit you’re using compared to your credit limit