Stay out of debt
    Get a credit card with a high limit
    Stay on top of your report
    Always pay your bills on time
    Don’t over apply for credit cards
    Don’t close out your credit cards
    Close new accounts first
    Never max out any of your cards
    Be smart about transferring balances
    Go secure
    Ask for an increase in your credit line periodically
    Open a savings account
    Pay more than the minimum payment
    Never overspend
    Keep at least one good account open