Building your credit takes time, patience, and consistency. One of the best ways to start is by using credit responsibly—make small purchases and pay your balance on time, every time. Keeping your credit utilization low (ideally below 30% of your available limit) shows lenders you can manage debt wisely. It also helps to avoid applying for too many new accounts at once, since multiple inquiries can temporarily lower your score. Over time, steady on-time payments and responsible use of credit accounts will help you establish a strong credit history, opening doors to better loan terms, lower interest rates, and greater financial opportunities.