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Choose one that offers the lowest interest rate and if possible one that offers a cash back percentage on purchases you make. Get a secured <b>credit</b> <b>card</b> from your bank or <b>credit</b> union. These <b>cards</b> are easier to qualify for because you deposit money with the bank before using the <b>card</b>, and your limit will be the same as your deposit. As a result, ... First, a few questions: Do you know your <b>credit</b> <b>card's</b> closing date? Do you know your <b>card's</b> minimum payment due? Have you heard about the "grace period" for your <b>credit</b> <b>card</b> payments? These 10 ways to <b>build</b> <b>credit</b> will help you establish a <b>credit</b> history or improve your existing <b>credit</b> report. Read our 10 healthy ways to <b>build</b> <b>credit</b>. SUBSCRIBE. Adventure; ... 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