By following these 4 rules, you can keep your account in good standing and avoid late and overlimit fees, which will help you build a solid credit profile.

 

Rule 1: Pay on time, every time. Show a pattern of good history by consistently making your payments on time.

 

Rule 2: Stay within your credit line. Your total credit line may include a portion that’s available for cash advances. Look under "Account Summary" on your monthly statement.

 

Rule 3: Pay at least the minimum. Though you must send at least the minimum payment due each month, try to send more as often as possible.

 

Rule 4: Keep your revolving credit below 50% utilization.