Make sure that you use the card regularly, but only buy what you can afford to pay off. Using your card for small, regular purchases like gas is a great idea. Every month, pay off your card in full and on time. Over time, your actions will be reported to the credit bureaus and will be shown on our credit report. If possible, avoid having a balance of more than 30% of your card's limit at any given time, even if you pay off the balance in full each month.