$0 balance?
Start making small purchases throughout the month on it. This can be as small a purchase as gas. Be sure to pay the balance off or down to 10-20% of utilization. Remember, it isn’t enough to just pay off the entire balance right after you spend. Wait until there is an actual balance statement out to be paid, then pay it off.
Get Credit
Having one credit card isn’t going to cut it these days. I know it sounds ridiculous. Why get more debt to raise your credit score?
The thing is, if you do it correctly, it will benefit you in the end. Increasing your credit means