The first thing to do is seek outÂ credit cards for bad credit with guaranteed approval. This increases your chances of getting a credit card in the first place. Next, make payments on time every time. Decrease your credit utilization to 30% or below and if you have been with credit providers for some time, consider a credit limit increase. Also, get into the healthy habit of regularly checking your credit report from time to time and make sure that errors are removed from it. Incorrect information on your report could hurt your credit score.