How to Build Credit

Find out how to build your credit and why responsible credit use matters.

Man with excellent credit score reading a credit report

5 Financial Habits of People with Excellent Credit

Read about 5 ways people with excellent credit scores manage their debt and maintain high credit ratings. These tips from people with great credit scores may help you to get on the right track.

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7 Credit Card Terms Decoded

7 Common Credit Card Terms Decoded

To help you better understand what your credit card terms are trying to tell you, check out our easy-to-understand explanations.

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4 Steps to Help Establish and Build Credit With No Credit History

Are you lacking a credit history? A secured credit card can help. Find out how you can start building your credit while making purchases in 4 easy steps.

6 Things You Need to Know About Secured Credit Cards

With responsible use, a secured credit card may help you establish a stronger credit history.

Everything You've Ever Wanted to Know About Credit Cards

Find answers to some of the most commonly asked questions about credit cards.

5 Questions to Ask Before Getting Your First Credit Card

It's important to do your research to find the credit card that best fits your spending habits, lifestyle and financial plan.

How to Conquer 4 Common Credit Card Fears

Find out how to conquer your concerns by developing a better understanding of credit cards.

9 Credit Terms That Will Help to Increase Your Financial Knowledge

Test your knowledge of these nine important terms that can help you maintain healthy credit.

6 Tips for Becoming a Smart Credit Card User

Review these 6 tips to see how your credit and financial knowledge can help you become a smarter credit card user.

6 Steps to Help Build Credit When You're New to the U.S.

If you've recently started working in the U.S., consider these credit-building steps to get you started on the right path.

5 Ways to Start to Build Credit After College

If you're like many recent graduates, you know that you need to build good credit, but may not be entirely sure how to start.

All About Consumer Credit Reports

Explore what's inside a consumer credit report when lenders review your credit and how to get a copy of your credit report.

What Your Credit Report Really Says About You - and Who Can See It

Here's a guide to learning about your credit report and making sure it accurately reports your financial health.

How to Help Build Credit

We've got some tips to help you build your credit.

Additional Resources

Insights and Tools

Utilize these resources to help you assess your current finances & plan for the future.

FICO® Score

Learn how FICO® Scores are determined, why they matter and more.


Review financial terms & definitions to help you better understand credit & finances.


Choose the right Citi® credit card for you

Whether you want Cash Back, Great Rewards, or a Low Intro Rate, the choice is all yours.

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