A secured credit card will help you build credit and increase your credit scores in a few months. Simply fund your card with a security deposit and use it at least once a month for activity. Never spend more than 30% of your credit limit. The best thing you can do is tie your new card to a small recurring bill (Netflix, Gym membership) and set it up with your bank to autopay. This activity will establish a good payment history with the three major credit bureaus, leading to higher credit limits, higher credit scores, and offers from other credit card issuers. Your credit scores will continue to increase organically by using your credit card the right way. You duplicate this activity by adding a second card to your credit profile in about a month or two, and your credit scores will soar.