Use A Secured Credit Card Account
If you're opening your first credit card account or you're trying to rebuild a damaged credit score, a secured credit card account is one of your best options. The main advantage of a secured credit card is that you cannot use it to spend outside your means. You are required to make an initial deposit to open a secured card, and after that you will only be able to spend up to 100 percent of that deposit amount. For example, if you put $500 in the account, you can charge up to $500 on your secured card.
If you consistently make your payments on time, it could be possible to transform your secured card into an unsecured card from a credit card issuer, boosting your credit score. Unsecured cards don't require an initial deposit to open, and it is possible to charge more than you can pay off. For this reason, secured cards are the best option until you're certain you will always spend within your means and pay off your balance on time.