Credit card that reports to all three major credit bureaus on a monthly basis. Only way to improve your credit is pay your bill on time each and every month, not to over spend your credit limit, and reduce your revolving debt, to show that you are credit worthy.  Let say your credit limit is $1000, and carry a balance of $950 and you pay the min of $20 every month. Credit lender will not issue you more credit, due to credit risk.

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