According to FICO®, payment history makes up 35 percent of your credit score. Learn when you should make payments and how to maximize your card’s grace period.

An employment credit check lets employers view a candidate’s credit reports and history. These checks are legal, though certain states have unique credit laws.

An authorized user is someone added to the primary cardholder’s account who has permission to make charges but isn’t liable for payments. Learn more here.

You can build credit as a new immigrant in the U.S. by getting a bank account, an SSN or ITIN and a credit card. Get more tips here.

Checking your own credit score, which is called a soft inquiry, doesn’t lower it. However, a hard inquiry can impact your score. Read on to learn more.