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Getting a credit card

How Do You Build Credit? Start Here
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How Do You Build Credit? Start Here

Published September 3, 2021
1 min read

Building up good credit is a journey we all take. The benefits to building credit are big, including lower rates on loans for major purchases, like cars and homes. We’ve designed a map to help you navigate this road ahead and put you on the journey to success.

Infographic: Your road to building credit
Important information

Make the most of your tax refund. Build your credit history.*

Apply for a Discover it® Secured Card and use your tax refund as a security deposit.**
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Next steps

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Learn about Discover It® Secured Credit Card

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*Discover reports your credit history to the three major credit bureaus so it can help build your credit if used responsibly. Late payments, delinquencies or other derogatory activity with your credit card accounts and loans may adversely impact your ability to build credit.

**Minimum Security Deposit: A minimum security deposit of $200 is required to open this account and your security deposit must equal your credit limit. Your maximum credit limit (up to $2500) will be determined by your income and ability to pay.

Legal Disclaimer: This site is for educational purposes and is not a substitute for professional advice. The material on this site is not intended to provide legal, investment, or financial advice and does not indicate the availability of any Discover product or service. It does not guarantee that Discover offers or endorses a product or service. For specific advice about your unique circumstances, you may wish to consult a qualified professional.

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