When I was 17, I had a bank account with my local credit union, and I had Overdraft on my card, which I really didn't understand until I realized that when I had my card linked to auto-renewal services such as Netflix and Spotify, That my card ended up racking up to $500 overdraft charges until my account was closed. When I turned 18, last month I realized there was a negative inpact on my credit score, from the situation that I had no idea about until I was 18.
My score dropped 50 points because of it, bringing my one month old credit score from 544 to 494 which ist pretty upsetting. I do not know whether or not I should get another Secured Credit Card (Which is what I have no through Capital One), Or just stay with one card and allow time to have some affect on my credit score. What would be the best solution to bring my score up as high as possible?
