In order to improve your credit score you have to have some credit. You need to have a credit card, and more than one is probably the best, in order to have good credit. At this point the rate doesn’t really matter, if you plan on paying it off every month. If you plan on having a balance try to get the lowest rate you can, 10 percent is good. If you are looking to get a credit card but you aren’t sure where to start your search- use the Internet, a lot of good credit cards out there, with good rates. There are also a lot of good tools out there right at your fingertips. You can find out about interest rates and the different benefits available with different credit cards, do search around.

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