Your request is being processed.

Please wait.

<meta property="cq:wcmmode" content="disabled"/><meta property="articleFeedData" content="{"baseUrl":"/articles/topics/building-credit","bottomArticles":[{"date":"Mon May 11 16:15:21 PDT 2026","author":"/content/dam/cob-corp-acquisition/content-fragments/authorbio/heather-vale/jcr:content/data/master","imagePath":"/content/dam/cob-corp-acquisition/images/articles/2024/09/240415_DA_CreditCardChargedOff_SEOA_FINAL.jpg","previewDescription":"What happens when your credit card gets charged off? Discover the impact on your credit, how debt collection works, and steps to reduce the effects.","title":"What Happens When a Credit Card Is Charged Off?","pagePath":"/articles/what-happens-when-a-credit-card-is-charged-off","imageAlt":"A young woman looks at her credit card and several past-due invoices, indicating her credit card may be charged off.","tags":["creditonebank:CreditEducation","credit-one-central-topics:credit-card","credit-one-central-topics:debt","credit-one-central-topics:building-credit"]},{"date":"Mon May 11 16:15:21 PDT 2026","author":"/content/dam/cob-corp-acquisition/content-fragments/authorbio/jorge-labrador/jcr:content/data/master","imagePath":"/content/dam/cob-corp-acquisition/images/articles/2024/10/240517_DA_WhatCreditScoreDoYouStartWith_SEOA_FINAL.jpg","previewDescription":"Wondering what your starting credit score is? Learn how to build a strong foundation from the beginning of your credit journey.","title":"What Credit Score Do You Start With?","pagePath":"/articles/what-credit-score-do-you-start-with","imageAlt":"A young woman raises her fist in celebration while holding up her credit card, as if she\u2019s pleased with her starting credit score.","tags":["creditonebank:CreditEducation","credit-one-central-topics:credit-card","credit-one-central-topics:credit-report","credit-one-central-topics:credit-score","credit-one-central-topics:building-credit"]},{"date":"Mon May 11 16:15:21 PDT 2026","author":"/content/dam/cob-corp-acquisition/content-fragments/authorbio/heather-vale/jcr:content/data/master","imagePath":"/content/dam/cob-corp-acquisition/images/articles/2024/12/240595_DA_UnsecuredCreditCards_SEOA_FINAL.jpg","previewDescription":"Unsecured credit cards can boost your financial situation, but only if you manage them properly. Here\u2019s everything you need to know before getting one.","title":"What Are Unsecured Credit Cards?","pagePath":"/articles/what-are-unsecured-credit-cards","imageAlt":"A woman thoughtfully holds up her credit card while walking through an outdoor shopping center, perhaps happy that she has an unsecured credit card.","tags":["credit-one-central-topics:credit-card","credit-one-central-topics:credit-score","creditonebank:CreditEducation","credit-one-central-topics:building-credit"]}],"authorArticlesMobile":[],"topArticles":[{"date":"Mon Jun 15 00:00:00 PDT 2026","author":"/content/dam/cob-corp-acquisition/content-fragments/authorbio/jorge-labrador/jcr:content/data/master","imagePath":"/content/dam/cob-corp-acquisition/images/articles/2026/06/260297_DA_GetA2ndCCRefresh_Final.jpg","previewDescription":"Considering a second credit card? Discover the benefits of adding a card, how to manage multiple accounts and what to know before applying.","title":"Is It Good To Have Multiple Credit Cards?","pagePath":"/articles/5-reasons-to-get-a-second-credit-card","imageAlt":"Three happy women are at a restaurant as one pays the bill with what could be a dining rewards card, which could be one of multiple credit cards she has for different situations. ","tags":["creditonebank:CreditEducation","credit-one-central-topics:building-credit","credit-one-central-topics:credit-card","credit-one-central-topics:credit-report"]},{"date":"Thu May 21 00:00:00 PDT 2026","author":"/content/dam/cob-corp-acquisition/content-fragments/authorbio/heather-vale/jcr:content/data/master","imagePath":"/content/dam/cob-corp-acquisition/images/articles/2026/05/260210 - DA_RefreshRebuildingCredit_SEOA_FINAL.jpg","previewDescription":"If you\u2019ve been through a financial crisis, you may be wondering how to rebuild your credit. It takes time, but here\u2019s how to do it. ","title":"Rebuilding Your Credit After a Financial Crisis","pagePath":"/articles/rebuilding-your-credit-after-a-financial-crisis","imageAlt":"A young woman rests her chin on her hands as if she\u2019s contemplating a crisis while another woman, who is perhaps her therapist or credit counselor, looks on with a clipboard.","tags":["creditonebank:CreditEducation","credit-one-central-topics:building-credit","credit-one-central-topics:credit-card","credit-one-central-topics:credit-score"]},{"date":"Wed May 20 00:00:00 PDT 2026","author":"/content/dam/cob-corp-acquisition/content-fragments/authorbio/heather-vale/jcr:content/data/master","imagePath":"/content/dam/cob-corp-acquisition/images/articles/2026/05/260189_DA_RefreshSecuredToUnsecured_SEOA_Final.jpg","previewDescription":"Secured credit cards can help you build credit when used strategically. But how and when can you upgrade to an unsecured card?","title":"How Long Does It Take for a Secured Card To Become Unsecured?","pagePath":"/articles/how-long-does-it-take-for-a-secured-card-to-become-unsecured","imageAlt":"A young woman sits on her couch while happily comparing two credit cards, one in each hand. One may be a secured credit card and the other is her newly earned unsecured card.","tags":["creditonebank:CreditEducation","credit-one-central-topics:building-credit","credit-one-central-topics:credit-card","credit-one-central-topics:credit-score"]}],"lastPageNumberMobile":0,"currentPageNumber":1,"lastPageNumber":10,"articlesTopics":["credit report","credit score","building credit","credit card","debt"],"currentPageNumberMobile":1}"/>

FDIC-Insured - Backed by the full faith and credit of the U.S. Government

Accept Mail Offer
See If You Pre-Qualify
For What's Ahead
Customer Service

Credit Education
Personal Finance
Life Events
Financial Planning
Glossary

Credit Education
Personal Finance
Life Events
Financial Planning
Glossary

Home
Blank

Building Credit

Three happy women are at a restaurant as one pays the bill with what could be a dining rewards card, which could be one of multiple credit cards she has for different situations.

Is It Good To Have Multiple Credit Cards?

Considering a second credit card? Discover the benefits of adding a card, how to manage multiple accounts and what to know before applying.

A young woman rests her chin on her hands as if she’s contemplating a crisis while another woman, who is perhaps her therapist or credit counselor, looks on with a clipboard.

Rebuilding Your Credit After a Financial Crisis

If you’ve been through a financial crisis, you may be wondering how to rebuild your credit. It takes time, but here’s how to do it.

A young woman sits on her couch while happily comparing two credit cards, one in each hand. One may be a secured credit card and the other is her newly earned unsecured card.

How Long Does It Take for a Secured Card To Become Unsecured?

Secured credit cards can help you build credit when used strategically. But how and when can you upgrade to an unsecured card?

A young woman looks at her credit card and several past-due invoices, indicating her credit card may be charged off.

What Happens When a Credit Card Is Charged Off?

What happens when your credit card gets charged off? Discover the impact on your credit, how debt collection works, and steps to reduce the effects.

A young woman raises her fist in celebration while holding up her credit card, as if she’s pleased with her starting credit score.

What Credit Score Do You Start With?

Wondering what your starting credit score is? Learn how to build a strong foundation from the beginning of your credit journey.

A woman thoughtfully holds up her credit card while walking through an outdoor shopping center, perhaps happy that she has an unsecured credit card.

What Are Unsecured Credit Cards?

Unsecured credit cards can boost your financial situation, but only if you manage them properly. Here’s everything you need to know before getting one.

This material is for informational purposes only and is not intended to replace the advice of a qualified tax advisor, attorney or financial advisor. Readers should consult with their own tax advisor, attorney or financial advisor with regard to their personal situations.

Credit Cards

See If You Pre-Qualify
Accept Mail Offer
Application Status
Browse ALL Credit Cards
Keys to Credit

Deposit Products

High-Yield Jumbo CD
Bump-Up Jumbo CD
High Yield Savings
Browse ALL Deposit Products

Customer Service

Browse ALL FAQs
Help
Accessibility

Credit One Bank

About Us
In The News
For What's Ahead
Credit Wreckers
Careers

Credit One Bank Mobile App

Privacy
Terms of Use
Security & Fraud
Card Agreements

© 2026 Credit One Bank, N.A. All Rights Reserved. Member FDIC. This is a secure site.