How to Use Credit Cards to Improve Your Credit Score (15 Steps)

12. Consider a Credit Builder Program

If you’re struggling to qualify for credit cards, try credit builder programs offered by banks, fintechs, and credit unions.

These programs report your monthly payments to credit bureaus and help establish your history safely.

Trusted examples:

• Self Credit Builder Account
• Chime Credit Builder Visa
• MoneyLion Credit Builder Plus

They’re low-risk and ideal for people recovering from poor credit or limited history.