Credit cards are a popular credit-building option for American consumers. In 2023, about four out of five American adults (82 percent) had a credit card. However, credit cards are not the only option.

Building a good credit score without a credit card is possible through timely loan repayments, responsible borrowing, and ...

A positive credit history and a good credit score are important when applying for a bank loan, credit card, job or insurance coverage. If you have poor credit — or no credit at all — you’ll have fewer ...

The twenties are the foundational years for credit, but few young adults fully understand how much their financial future is ...

A bunch of California credit unions and small banks offer these, especially for folks who are new to credit. The key is making payments on time – they get reported to the credit bureaus and help you ...

When you're just starting a company, it's common to mix personal and business finances. You might bootstrap with personal savings, use your own credit card for early expenses, or sign personal ...

Hanna Horvath is a CERTIFIED FINANCIAL PLANNER™ and Red Venture's senior editor of content partnerships. Fox Money is a personal finance hub featuring content generated by Credible Operations, Inc.

Hanna Horvath is a CERTIFIED FINANCIAL PLANNER™ and Red Venture's senior editor of content partnerships. Fox Money is a personal finance hub featuring content generated by Credible Operations, Inc.

Whether you’re unable to access a credit card or you’d prefer not to use one, there are other ways to start building credit. Many or all of the products on this page are from partners who compensate ...