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How to build good credit

6. After a year, apply for an unsecured credit card.

Twelve months of timely payments should be enough to show your credit card company that you can responsibly manage debt. An unsecured card frees you from your security deposit obligation, will likely carry a higher credit limit and may offer useful perks like reward points. If you apply the same responsibility level, you will remain in good standing and keep a decent credit score.




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