If you max out a secured credit card and are paying your monthly bill ON TIME Will you still be able to use it
478642
Only if the amount you're charging will not put you over your limit.
706449
To the best of my understanding they can't. As long as you are paying then that shows good faith that you are gonna pay it off. I had a problem with a hospital bill awhile back. I sent them 10$ a month. There was nothing they could do about the amount being sent cause I was paying. \n\nSee what some of the other responses are but I think I am right.\n\nGood Luck!!!
1185190
The most important thing you can do is pay your bills on time.  After that try to reduce your outstanding debt, even if it is a little at a time.
277981
pay the bill on time...
1043658
You don't have too. I pay my credit  card off every month and six months later my credit increased automatically..\nThe secret about credit cards is that they want you to have the credit, but don't want you using it.  It sounds silly, but so true. I have a credit card with 10,000 limit and I never use more than what I need so that I pay it off in one to two months. They love me so they increased it because I don't use it.  If you use your credit limit and pay just the minimum payment...your doomed.\nThe secret to having a goods credit card is to use it wisely, but pay it off no more than three months after purchase.They want to make a little interest...so give them some and let them know you have all your credit limit intact and hardly ever use it and after three years of that....you're increase will be huge becasue they know you won't use it up. If you pay off your card early every month and save interest, your subject to get a letter like I did saying your card is cancelled. They made no money off me.
1127776
Get a secured credit cared, which is one where the credit limit is fully backed by savings in the bank of the same amount.  Charge something each month and pay it off in full...  after a year, you'll get more credit card offers than you can shake a stick at.
1009907
many banks have secured credit cards, which are similar to a debit card.  you give the bank a certain amount to hold on to, and that amount is your credit limit.  if you use it wisely and pay off the balance each month, it ups your credit rating, and can eventually be transferred into a regular credit card.  worked well for me...
485347
as others have said, pay your bills ON TIME, even if its the minimum on your Credit Card. \nI have a very high credit score, and its been because I am faithful to my credit cards (don't have more than 3 that I use carefully), I am on time with my payments and I clean up my debt as soon as possible. That makes me a good person to lend $$$ to, since I'm show that I am not a default risk.
125141
First of all, you don't want to pay off your credit card every month.  You need to keep some outstanding balance to show activity.  I'm not saying to charge it and pay minimum either.  You should pay double or triple the monthly payment each month.  That will show the credit card company activity.\n\nCredit card companies usually review a customer's account every six months, at which time they decide whether to increase your credit limit.  You can also call them directly and ask for credit limit increases about every six months.\n\nAlso, did you know that once you establish credit, YOU can negotiate your interest rate?  A lot of people don't know this.  If you call the credit card company after having the card for a while, you can ask them to lower your interest rate after showing a good payment history.\n\nConsider a secured credit card. To obtain a secured credit card, you open and maintain a bank account or other asset account at a financial institution as security for your line of credit. Your credit line will be a percentage of your deposit, typically from 50 to 100 percent. Application and processing fees are not uncommon for secured credit cards. In addition, secured credit cards usually carry higher interest rates than traditional non-secured cards.\n\nYou also might consider getting a credit card from a local store, but make sure they report to the credit bureaus.
924620
You can pay your balance or part of a balance higher than the  minimum payment anytime before the due date. Some lenders will allow up to 3-payments without penalizing you for it. \n\n\nWith a $500.00 Credit Line you need to be ware that you cannot use more than 50% of the credit limit., keep your utilization low, this mean only use $250.00. and try to pay the balance in full every month.
192665
You will most likely not be authorized for too many charges above your credit line, however one of the dirty little tricks the credit card companies do is "allow" you to go over-limit and then they charge you an "over-limit" fee. Do that a couple of times in a 6 month period and you will get the pleasure of paying their highest rate. A friend of mine gets to pay 31.99% on his card for the next 6 months because that same thing happened to him.\n\nGood Luck
511870
Pay your bills on time, don't use more than 25% of limits on cards/charge accounts, don't apply for a lot of credit (inquiries). Be consistent, and it will move up.
437406
They can offer them to you, but you'll be paying maximum interest on them, or they may require you to have a secured card.  Either way, take them up on the offer.  You need to start rebuilding your credit.
230435
You can always pay more than the minimum but some places will charge you an early payoff fee. When making more than the minimum payment make sure you state that the extra is for the following month even though you still are going to make the following months payment. The reason is just in case you were to be late with the next month payment even if you had made lets say a double payment the month before it wouldn't count for that month that you are late unless you had stated when paying that it was for the following month. If you hadn't mentioned that fact you will get charged late fees or worse something could get repo'd.
439877
Depends on the company offering the card.  Check your cc info or call company rep and ask them.\n\nRival
2292
Another avenue here is to get a secured credit card, you find a bank or institution, you put whatever you can afford in a savings account (say $250.00) the bank gives you a credit card using your own money. After about 6 months if you keep up your payments they give you your money back and give you an unsecured a credit card. In time with the other great ideas here you will have credit.
871384
You can start now by going to your bank and getting a secured Credit Card with say a 1000.00 limit.