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LadyMeMow

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To get my score up from 583 to 618 I need a credit card. What is the best way to use a credit card?

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You may need to get a SECURED credit card that is reported to all three credit bureaus, maybe check with capital one. Use less than 10% of the credit line every month and pay it off after the bill comes out but before the due date.

Top Contributor
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You only need to do two things to maximize the benefits of a credit card:
1. Make your payments on time. You can pay them on the due date; paying before the due date makes no difference as far as your score is concerned.

2. A few days after your due date is the other important date: the closing date. You may have to contact the creditor to find out when it is; not all of them list this one on the statements. Usually it is 3-5 days after the due date. On this day, make sure your utilization is the best it can be, because this is the day your balance is reported to the bureaus. A common misconception about utilization is that you shouldn't go over 30% EVER, and this is not true. Use as much as you want without going over your limit; just make sure your utilization is good that one day of the month. In fact, using a lot of your limit every other day of the month is the best way to get a credit limit increase, because it will be obvious that you could use it, but you don't need it because you're not using your card to live above your means.

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