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that will help and you don't need to do it every month. just go there every other month or so and buy something and pay it off. you can also try credit unions, they usually give credit cards to people with no credit.

by nurdee

2 years ago

Asker's Rating: 

you don't have to get one of those. go to www.orchardbank.com. they have credit cards for building new credit. getting one from sears if you don't shop there is wasting money.

by Cathrine K- 2 years ago

maintaining a credit card will improve your credit. you don;t necessarily need to charge anything on it. Length of credit is a factor for your credit score. Don't buy something you wouldn't normally buy just to try to improve your credit. A whole bunch of inquiries will also show up on your credit report.

by crosamich- 2 years ago

Hi, Your credit score will hardly have impact on amount of usage of your credit card. Rather, it depends how promptly you repay your dues. If you are serious enough to build your credit score, spend within your affordable limits and pay your dues on time without fail. This will help you boost your credit score over the period of time. Check out creditcard ... for some useful info and tips. Good luck!

by Jig- 2 years ago

applying to multiple places will only lower your points even more, therefore you will have less chances to get a better credit card. and even if you succeed on opening a card, it will surely have a high APR rate cuz it's your first time and you did a lot of inquiries. try to get someone who could co-sign for you on something (car, computer, some appliance). just make sure you are a responsible person, because once you fail to pay something, then it will reflect on thir credit score to because they co-signed you. and than after that, you will start earning points. the rule of the thumb is simple: be a responsible credit card holder.

by glezie11- 2 years ago

My Sears card is a VISA card now. They no longer issue their own cards anymore. At least in my state. This VISA offers some discounts at Sears but can be used wherever VISA is accepted. .

by Jacob W- 2 years ago

Mate,credit cards are the "root of all evil",,get yourself a Visa or Master card Debit Card.They work exactly the same as a credit card,you can purchase wherever Visa or Master cards are accepted.You can even hire cars using them.The beauty of one of these cards is you use your own money and therefore do not have to pay it back,no interest payable and you can not get into debt problems with them. Credit cards can cause major debt and in many cases you get so far into debt you will never be able to repay them.This does lead to bankruptcy and a permanent black mark on your credit rating. If you have to use the one you have,only spend about half the permitted credit limit and pay the outstanding amount back each month. But I implore you to think twice about credit cards as they can seriously get you into trouble.

by Digger- 2 years ago

If the Sears card has a visa or master card logo on it, you can use it anywhere. It doesn't have to be at Sears. However, their interest rate is incredible high. Be careful using it. Only use it when it's necessary. They will rip you off and they wouldn't let you close the account until you scream at them. They're very annoying.

by Notredame- 2 years ago

There is no minimum. You can buy items $20 or less per month. The only point is you pay it off entirely and on time each month. Creditors like to see active movement on your credit. Good plan. Good luck.

by Lucky Me- 2 years ago

for a recommendation, do not go with Sears or use it anywhere. I got a sears mastercard, used it to buy new clothes at two different stores. They sent me the bill, and I paid $30 on it, they sent me the second bill and there was a finance charge. I called them and asked them why I had a finance charge since it was 6 months interest free. They said that was only on purchases made in sears. I told them that was total bull crap because mastercard is accepted everywhere and it wasn't just a "Sears" card and to close the account if they want to screw me over like that. I found out four years ago they had reported to the credit bureau I declared bankruptcy on that account. It took me a year to get them to take it off my credit report. I have never dealt with them since and my parents also closed their card account with them. So my advice, cut up the card and never use it, it's not worth it.

by Renee W- 2 years ago

It comes down to what you feel comfortable with! Just dont go crazy! I said the same thing before I got my credit card... then I realized i could used it :/ then It got out of control! just be careful! watch your spending!

by shannonforpeace- 2 years ago

1) Avoid using cash and borrowing from family for all your purchases. In the eyes of creditors no credit history is the same as a bad credit history. You may get away with paying cash for your car but when you buy your first home it will come back to haunt you. Even if you can afford to borrow or pay cash try opening an account to buy your furniture, automobiles, or home improvements. A diverse credit background will help with your credit score. 2) Your credit report tells all. Do not lie or stretch the truth to lenders, banks, or employers. They will easily catch you and the consequences are not worth it. 3) Do not cancel credit card accounts to improve your credit. The intended affect may be the opposite of what you expect. You can hurt your credit by canceling your credit cards; especially if you have a long history with the account. Losing a ten or twenty year credit history isn't worth it. If you absolutely must stop using a card, try shredding it. An open account that doesn't have a balance looks far better then no credit account at all. 4) Starting early is always better when establishing credit history. Getting a teenager or college student a credit card is a great way to get their history started. For those who don't trust their child's judgment yet there are many prepaid cards that report to credit bureaus. Read more from: www ...

by alexa dion- 2 years ago