*Article contributed by Sarah Williams.

If your credit score is low, there are various ways to bring it up. You can even increase it to 100 points quickly, depending on several factors. Here are some strategies that you can try with the use of your credit cards: 

Ask for a Higher Credit Limit 

Whenever your credit limit increases but your balance remains, it will lower down your overall credit utilization. As such, it is best to call your credit card issuer. Call the companies to ask for the best credit card to build credit. Ask them if you can get a higher credit limit. Indeed, this will temporarily drop your score for a few points. 

Make Frequent Payments 

Making small frequent payments with your credit card can help you increase your credit score. This is called micropayments and it can keep your credit card balances down if you do the payment throughout the month. Consider your credit card as a debit card in which you must pay online the moment that you see that the purchase is posted. 

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*Article contributed by Sarah Williams.

Credit cards are not a one-size-fits-all option. Most credit cards have relevant bonuses that can be used depending on what you usually purchase. For instance, there are mileage reward cards, rebates, and travel redemptions from accumulated transactions when you use your credit card.

Choosing from among the top credit cards will depend on what you mostly spend your money on and the lifestyle that you have. If you’re a frequent traveler, it’s best to have a credit card that allows you to earn points for every transaction done. These points can be redeemed for travel services, including airline tickets, hotel accommodations, or car rentals.

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