How to Raise Your Credit Score and Get a Good Card in 2025

In an increasingly digital and credit-based world, having a good credit score is essential to access better financial conditions, especially in the United States. In 2025, the rules for obtaining and maintaining a good credit score will continue to evolve, reflecting economic, technological and behavioral changes. This argumentative essay explores effective strategies for increasing your credit score and obtaining a good credit card in 2025, offering a practical and up-to-date guide for consumers.

Importance of the Credit Score

Before we dive into the strategies, it’s crucial to understand the importance of the credit score. This number, which generally varies between 300 and 850, is used by financial institutions to assess an individual’s ability to pay their debts. A high score can result in lower interest rates, better loan conditions and access to premium credit cards, while a low score can limit these options.

Factors Affecting Credit Score

The credit score is influenced by several factors, which include:

• Payment History: The most important factor, making up around 35% of the score. On-time payments are essential.
• Amounts Owed: Represents approximately 30% of the score and considers the ratio between credit used and credit available.
• Length of Credit History: Around 15% of the score is based on the length of credit history.
• Types of Credit Used: Diversifying the types of credit can improve the score.
• New Credit: Opening new credit accounts can temporarily impact the score.

Strategies to Improve Credit Score

Punctual and Consistent Payments

The basis of a good credit score is paying your bills on time. Late payments can be reported to the credit agencies and negatively affect your score. In 2025, it’s even easier to set up automatic payments and digital reminders to prevent forgetfulness.

Reduce Credit Utilization

Keeping credit utilization below 30% of the total limit is recommended. This demonstrates that you are not over-reliant on credit. By 2025, financial tools and personal finance management apps can help you monitor this ratio in real time.

Keep Old Accounts Open

Closing old accounts can reduce the length of your credit history, negatively impacting your score. Keeping these accounts open, even with little use, helps maintain a longer and more solid credit history.

Diversify Credit Types

Having a mix of credit types, such as credit cards, personal loans and car financing, can help increase your score. In 2025, with the rise of fintechs, there are more financial product options to diversify your credit portfolio.

Limit Credit Requests

Every time you apply for new credit, an inquiry is made into your credit report, which can temporarily lower your score. Limiting these requests, especially over a short period, is important to keep your score stable.

Monitor your credit report regularly

Credit report errors can damage your score. In 2025, consumers have easy access to their credit reports for free via various digital platforms. Monitoring regularly and correcting possible errors is an effective strategy for keeping your score high.

Access to good credit cards

With a good credit score, consumers have access to better credit cards, which offer benefits such as lower interest rates, point rewards, cashback and other exclusive advantages.

Details on how to get a good card

One of the pillars of maintaining a good credit score is making punctual and consistent payments. Paying bills on time is essential, as late payments can be reported to credit agencies and negatively affect the score. In 2025, technology made it even easier to set up automatic payments and digital reminders, helping consumers to avoid forgetting and ensure that their bills are paid on time.

Another crucial aspect of increasing the credit score is reducing credit utilization. Keeping credit utilization below 30% of the total limit is recommended, as it demonstrates that the consumer is not overly dependent on available credit. With the financial tools and personal finance management applications available in 2025, monitoring this ratio in real time has become easier, allowing for more conscious financial management.

Pay attention to old accounts

Keeping old accounts open also contributes positively to your credit score. Closing old accounts can reduce the length of your credit history, negatively affecting your score. By keeping these accounts open, even with little use, consumers preserve a longer and more solid credit history, which is beneficial for the score.

In addition, having a mix of credit types, such as credit cards, personal loans and car finance, can help boost scores. In 2025, the diversity of financial products available increased significantly with the growth of fintechs, offering more options to diversify the credit portfolio.

Don’t make constant requests

Limiting credit requests is another important strategy. Each time a new credit request is made, an inquiry is recorded on the credit report, which can temporarily reduce the score. To keep the score stable, it is essential to control these requests, especially over a short period of time.

Regular checking of the credit report is a practice that cannot be neglected. Errors in the credit report can damage the score, and in 2025, consumers have easy access to their credit reports for free through various digital platforms. Monitoring frequently and correcting possible errors is an effective strategy for maintaining a high score.

Thus, the combination of these sound financial practices, the conscious use of credit and the diversification of credit types form the basis for improving and maintaining a good credit score. Using the technological tools available and adopting a proactive approach to credit management are key steps to achieving and sustaining a healthy credit score in 2025.

See also: The changes from 5g to 6g.

And finally, conclusion

Increasing your credit score and getting a good card in 2025 involves a combination of good financial practices, regular monitoring and smart choices of financial products. Punctual payments, conscious use of credit, maintaining a long credit history and diversifying credit types are key strategies. With easier access to information and digital financial tools, consumers are better equipped to manage and improve their credit scores, thus obtaining better financial opportunities.

The financial landscape of 2025 presents unique challenges and opportunities, but with the right strategies, any consumer can increase their credit score and achieve their financial goals. After all, a good credit score is a passport to a more secure and prosperous financial future.