The majority of credit-related issues stem from late or missed payments. The sting of these actions can have long lasting effects. Ensure that you are always making no less than your minimum payment before or on the specific due date. To avoid any issues, make these payments a couple of days prior to the due date.
Strive to carry no more than a balance representing 70% or more of your available credit limit at any given time. Once you go above that utilization threshold, your credit will slowly begin to nose dive. One of the most devastating actions that can harm your credit is carrying a balance that is higher than your limit. Not only will this cause damage to your score, it will also cause you to incur unnecessary fees from your credit provider.
Something to consider; If you seek credit by applying for it all within a short period of time, you will ultimately be at risk for lowering your credit score. However, checking your credit score is fairly common. The reason for this is that most large purchases, rentals or leases require a credit check. The rule of thumb is to try to limit your inquiries to 6 in 6 months. As long as they're spread out and checked within reason -buying a home, leasing a car or simply just checking to see where you stand- the impact will be virtually non-existent.