11 In its broadest sense, empowerment is the expansion of freedom of choice and action. It means increasing oneâs authority and control over the resources and decisions that affect oneâs life. As people exercise real choice, they gain increased control over their lives.
3. Pay on time every month. The most important thing you can do to build and maintain a good credit score is paying all of your bills and debt obligations on time every month. Even one late payment can significantly damage your credit score, especially early on.
The other consideration you want to make when paying your credit cards back is monitoring your reported overall credit card usage. Your credit card utilization refers to how much of your available credit card limits you use per month, and is an important credit factor you can track on Credit Karma.It's generally recommended to keep your overall credit utilization below 30 percent. However, this does not mean that lower is always better.our credit card utilization refers to how much of your available credit card limits you use per month, and is an important credit factor you can track on Credit Karma. It's generally recommended to keep your overall credit utilization below 30 percent. However, this does not mean that lower is always better.