Healthy Habits to Get Your Credit in Shape

Saturday, July 25th, 2015

Summertime is a great time to get in shape. Financial shape, that is. If your credit score is looking a little weak, this is the perfect time to get into training. Consider this your personal trainer—you personal financial trainer, that is. Follow this regimen and see your credit score soar, this summer and beyond.

Pay on time. Paying your bills on time is the number one healthy financial habit to get into. If you struggle to make your payments on time, set up automatic payments that will withdraw the funds directly from your checking account on the due date. You can even set a date before the actual due date, if there’s a better time of month for you to pay. Many credit cards allow you to change the due date to a more convenient time, as well. So make sure your due-date is doable for you, and be sure to pay in enough time that your payment will clear before the due date.

Keep your bottom line low. Think of the credit limit on your card like the top number on your bathroom scale. Sure, it goes up that high, but do you really want to tip the scales at that number? No way. Keeping your balance under 30%, or better yet, under 10%, of your total credit line, will mean you always have enough available credit to make the folks at FICO happy.

Use different kinds of credit. Just as you wouldn’t do only one kind of exercise to get into shape, you don’t want to only use one type of credit. Only using one credit card is like only doing sit-ups at the gym. Do some cross training and get yourself a car loan, a small business loan, a mortgage, or a student loan. This gives you a mix of types of credit, which looks great on your credit report.

Anticipate a little soreness. Establishing these new financial habits might result in a bit of discomfort at first. Be patient with yourself and understand that new habits are not formed overnight. You might need to cut back on your spending a little bit, finding yourself a little hungry for the retail therapy you used to enjoy. Remember that you are doing this for a reason and being in great financial shape will feel great and be worth the effort.

Reward yourself. After a hard workout, you probably reward yourself with a cold drink, a favorite treat, and a nice rest. When you’ve been financially responsible and developed good habits, treat yourself by redeeming some credit card rewards. If you have a great rewards credit card, this could mean flying off for a vacation with an award ticket. If you don’t have a great rewards credit card it’s time you applied for one.

When the number on your credit report makes you happy, it’s just as good a feeling as when the number on the scale makes you happy. With a few healthy habits and a little discipline, you can get there.

Latest No / Limited Credit Cards Guides

Scoring a Credit Card Without a Credit Score May 21st, 2016

If you’ve never had a credit card before, or taken out a loan or a mortgage, you may find yourself in a tough situation when you do try to get a credit card, a loan, or a mortgage.
Continue »

The Smartest Credit Moves to Make in 2015 January 20th, 2015

With the start of a new year, many people resolve to get in better shape—and not just by going to the gym more often. Financial fitness is just as important as physical fitness, and a big part of that is making sure your credit is as strong as your core.
Continue »

How to Rebuild Your Credit Score After a Divorce August 1st, 2014

The end of a marriage means many things – there may be relief, sadness, grief, and mixed emotions of all kinds. But one thing is certain: there are also a number of practical matters to address.
Continue »

Three Reasons Your Credit Might Be Bad and How to Fix It February 17th, 2014

It can happen before you know what hit you: one minute your credit is spotless, and the next, you’re getting turned down for that balance transfer you requested.
Continue »

Five Ways to Get Your Credit in Shape September 17th, 2013

If you get outside every morning for a daily walk, get to the gym a few times a week, and eat healthy, you are probably in good shape. Taking care of your finances is just as important as taking care of your body. A good credit score is as vital to well being as a healthy ...
Continue »

Best Credit Offer
Click the Compare link to compare the checked cards side-by-side at the comparison table.
Consumer Rating: 4 / 5
Pacific Credit Group Emporium Black Card
Copyright © 2001-2016 All Rights Reserved.

* The webpage is a free service and an information resource for credit cards and financial products and services available to eligible United States consumers. does not offer any warranties and is not a direct service. There are no guarantees for approval or offers when applying for a credit card. Please refer to the application if you would like more information on each credit card. When you click "Apply" for a particular credit card, please take the time to review the terms and conditions of the product/service at the issuer's website. All logos on the website are property of their respective owners.

Disclaimer: This editorial content is not provided or commissioned by the credit card issuer. Opinions expressed here are the author's alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. Reasonable efforts are made to present accurate info, however all info is presented without warranty. Consult a card's issuing bank for terms & conditions. makes every effort to keep information up to date and accurate. However, the information regularly changes and is presented without warranty. Therefore, we strongly recommend all our readers to visit the credit card application page by clicking "Apply Online!" button to review the detailed credit card's terms and conditions. Note that may be compensated by the credit card issuers when the readers apply for a credit card through this site. is an independent, advertising-supported website which receives compensation from the credit card issuers and companies whose offers appear on the site. Compensation may impact how and where products appear on our site, including, for example, the order in which they may appear on the site pages. does not review or list all available financial or credit offers.

User Generated Content Disclaimer: These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.