What is the best way to build credit with department store credit card?

I have a Jared jewelry credit card account. I was wondering the best way to keep this active and build credit at the same time.What I have been doing is buying something within my means and making min payments to pay it off in one year. Is this good? Is it better to buy smaller things and pay off in full every month? Need help any accurate feedback is greatly needed.|||For each lender, your credit report shows the maximum that ever owed to that lender, how much you currently owe, and how many times you have paid late.





If you charge $100 and pay it off right away, that will look exactly the same on your credit report as if you charge $100 and pay it off over time (but never pay late). This will also look the same if you charge $100, pay it off, charge another $100, pay it off, charge another $100 and pay it off. It will show that the maximum you ever owed was $100, and it will show that you never paid late. It will not show that you owed $100 three different times.





The most important part is how many times you have paid late. Trying to charge up your card so that the maximum you have ever owed is higher will not make much of a difference in your score. Paying late even one time will make a big difference in your score. Paying off what you owe over time instead of paying it off immediately will make absolutely no difference in your credit score.





Stop charging your card. It will not show up on your credit report, and it will not improve your credit score. Appy for a regular credit card, and be very sure not to pay it late ever.|||It is best to make small purchases and pay them off monthly. For that reason, a Jared card is not really ideal. If you've had it at least a couple of months, I would pay it down quite a bit (in half or something), then apply for a real credit card. After you get a real credit card, pay the Jared card off completely ASAP, and start using the real credit card to make a small purchase each month (tank of gas? some groceries?). Then pay the bill of completely as soon as you get it. You'll have great credit in no time, plus you won't have to pay interest charges.|||It's best to pay it in full each month. I would try to get a Visa or Mastercard instead of a store card. That way, instead of buying things you might not need, you could use it for gas, groceries, and other everyday expenses.





If you do get another card, keep your store card open too with a zero balance, as long as there's no annual fee. That shows that more banks trust you, and you're using a smaller percentage of your available credit.|||You should always try to pay more than whatever the minimum is e.g. min. Payment of $ 15.00 you should always try to pay at least $ 20 - $ 30 or more and make the payment before the due.date e.g. $ 15.00 due on April 15, 2011 , your payment should look like this : payment date : April 12, 2011 in amount of $ 25.00 .|||Pay it off in full or keep a zero dollar balance. I had a card where I never used it more than a few times a year, but paid everything off when due and it helped.|||to buy stuff and pay on time.





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http://answers.yahoo.com/question/index;鈥?/a>|||You can use this credit monitoring service to pre-estimate future scores for different scenarios of such payments - buildcredit.ifastnet.com