There has been a lot of things said about credit cards, the ways to use them. Still there are a lot of problems that occur in people's financial lives because they are not well-informed enough about credit cards usage. Bad credit prevails in the society. What should you do to improve it?
1. Never close your accounts. All the information about the credit you have and the one you are using is reported to credit bureaus. It has a great influence on your future financial life. If you close the accounts the amount of the available credit will be lowered.
2. Don't forget about your payments that should be not only on time but you have to pay than a minimum. It will also raise your score.
3. Don't lose hope and continue doing everything possible to raise the score. Even if your financial situation leaves much to be desired? you have a lot of chances to change the situation for the better. So don't lose heart and improve credit score. If you follow the tips you are sure to prove that you are a responsible cardholder.