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More importantly, spreading out – and paying down – your revolving debt is a good strategy.

On the flip side, however, don’t apply for a bunch of new credit cards thinking you’re increasing available credit – especially if your credit is new.

Here’s how to use your credit cards to build – not bust – your credit.. You’re required to back secured cards with a cash deposit, which acts as your credit limit.

Cards such as the Discover It (both the secured and unsecured versions) send your FICO score with your monthly statement, so you can keep track of progress.– and the rest of your bills too.

But if you can keep a clean record of payment for a year or more, you\u2019ll see your score improve.