Get a credit card with a high limit, keep the balance low and use the credit card to establish a credit history or boost a low credit score. Remember — the more available credit on a credit card, the better.

Insurance companies can use use drivers’ credit scores and personal credit score information to determine how much to charge for auto insurance rates.

Citi Free Credit Score is available if you’re a Citibank credit card holder, you can get access to your Equifax FICO score for free each month — just for having their credit card you qualify for the Citi Card free credit score.

Good credit takes patience and persistence and if you pay your bills on time and keep your credit card balances low over the long haul, you’ll be rewarded with a solid score.

Apply for a credit card — Chase Freedom offers attractive rewards and consumer-friendly terms and cardholders will earn cash back on purchases and bonuses for card use, in addition to paying no annual fee.