What’s the best credit card to build your credit with ? & how should u go about spending ?
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Put $200 on a secured credit card from capital one. Use it to pay one small monthly bill and pay it off every month. I only say capital one cuz that’s the one I started with and it was all very user friendly. After you use it and pay it for a few months they increase your credit limit but still don’t use it. That’s the trick to credit cards. Only spend what you can immediately pay off, especially in the beginning and until you establish good credit habits.
If the credit is completely shot, then a savings account with money in it behind the credit line is the next option. Basically, youre not getting a loan that isnt already accounted for with the savings account, but the spent money still gets circulated thru the credit system to grow the credit.