STEP 2. DON’T MAX OUT YOUR CREDIT CARDS! One of the biggest signs of “financial irresponsibility” is a maxed out credit limit! Actually, as far as your credit score is concerned, you should use as little of your available credit limit as possible. By general rule, keep your credit limit under 30% used! Quite honestly, it’s best to keep your your credit card usage to 10 percent or less of your credit limit and your score will reap the benefits 
STEP 3. Ok, this is huge: PAY YOUR BILL ON TIME! Not only does a late payment leave you on the hook paying a late fee and accumulated interest charges, but it also has the SERIOUS potential to hurt your credit score substantially. That’s because making on-time payments is one of the main factors credit scoring models take into consideration when tallying your credit score. 
