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#1 Credit Card To Rebuild Your CreditUsing a credit card can be an effective way to build or rebuild credit. However, it's crucial to develop responsible habits, such as making on-time payments. You can build credit with a credit card by regularly using the card, using a small amount of your credit limit and making all of your payments on time. There are a variety of ways to build credit with credit cards: consistently using less than your credit limit, using your card to make regular purchases.