Can a card rebuild bad credit?
Posted: Thu Jan 08, 2026 1:59 pm
Using a credit card to build bad credit can be effective in the middle of a rebuilding phase if managed responsibly. Secured or starter cards report payment activity to credit bureaus, helping create positive history. Keeping balances low and paying on time every month shows lenders improvement. Over time, this steady behavior can slowly raise your credit score and improve future approval chances.