- Make every payment (at least the minimum due) every month on time.
- Keep balances below 30 percent of the cards' credit limits. The lower that percentage the better, but the difference 10 and 20 percent make to your score compared with 30 percent is minimal.
- Apply for new credit cards only when you need them. Having lots of recently opened accounts of any sort may be harmful.
Up until now, it's not been hard for those with credit cards to understand how to avoid their plastic having a negative effect on their credit scores. All they had to remember was: