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Juzt Digital Credit Card FAQs
What are Juzt’s Top Tips for Building Credit?
1. Make On-Time Payments
- Paying your Juzt Credit Card bill on time is crucial. It’s the most critical factor in your credit history, accounting for 35%*.
2. Keep Your Credit Utilization Low
- Aim to use less than 30% of your available credit. This will help maintain a low credit utilization ratio, which will positively impact your credit history. We have provided you with an automated service “SmartPay” to help you keep that utilization percentage low.
3. Use Your Juzt Credit Card Regularly
- Regular use of your Juzt Credit Card, even for small purchases, keeps your account active and ensures your payment history is reported to the credit bureaus.
4. Avoid Applying for Multiple Cards at Once
- Each credit application results in a hard inquiry on your credit report, which can temporarily affect your credit history. Apply only when necessary.
5. Automatic Payments
- Set up automatic payments to ensure you get all the due dates. Paying on time is the most critical factor in building your credit.
*Source: How Payment History Impacts Your Credit Score | myFICO