I have bad credit and I have really start paying attention to my credit history since Feb '07. I have had my ups and downs. I applied for the Tribute Credit Card in Feb '07 along with paying a few collection accounts on my report. Well Tribute increased my account by $50 for paying on time these past three month and yes, I receved a 33 increase on my score today. Now, I am more determine to pay my bills on time and keep my credit limit balance low. This is a good day.
Keep that balance above zero but less than ten percent. Around July or so, I'd apply for another card. Manage it the same way you manage the one you have now. By the end of the year, you might just qualify for an unsecured card, or a partially secured one like the BofA 99/500.
Never Give Up!!
