10 things that I wish I knew when I first started off my credit Journey Number one is going to be paying your balance off in full. This is really important for two reasons. One, it keeps your credit utilization low and then two, you save money on interest. Number two is going to kind of roll over from number one which is paid off in full.

but you need to really use the card for your needs and not for your wants. Unless again, you're going to pay it off in full. Number three is, especially with identity theft is have you froze your credit. Freezing your credit is very easy.

You do it with the three credit bureaus Equifax TransUnion and Experian Foreign.