11065 Card Holders
  • Alicia Mcdaniel from Murfreesboro , Tn has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Keenan Smith from Bakerfield, Ca has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Desrie George from Hammond, La has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Trayon Joseph from Douglasville , Ga has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Isaac Thompson Meyer from Palmer, Ak has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Curtis Freeman from Lawrence , Ma has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Michael Perry from Sacramento , Ca has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Terrance Chadwick from Bedford Heights, Oh has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Olive (doreen) Spencer from Richmond, Tx has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Andrea Joyner-beale from Brooklyn, Ny has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Ta'chada Mcdonald from Kilgore, Tx has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Kevin Parada from Pomona, Ca has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Ugochukwu Oziri from Washngton, Dc has become a Ztegrity Ultra Elite Rewards Card Holder!
  • James Dixon from Killeen, Tx has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Albert Ledwaba from Tswane, has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Jared Coad from Tempe, Az has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Dale Haas from Lake Oswego, Or has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Sweetcup1 Katrina from Philadelphia , Ms has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Isaiah Baugh from Tulsa, Ok has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Craig Olmscheid from New Caney, Tx has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Tiffany Cage from Chicago, Il has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Aaron Reed from Stone Mountain , Ga has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Jessica Baker from Laurinburg, Nc has become a Ztegrity Ultra Elite Rewards Card Holder!
  • James Bordes from New Bedford, Ma has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Rolando West from Navasota, Tx has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Terna Magu from Makurdi,, has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Bernard Dale from Lamarque, Tx has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Yolanda Arimont from Cleveland, Oh has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Jennifer Roberts from Normal, Il has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Nathen Thomas from Fayetteville , Nc has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Chaquin Bell from Katy, Tx has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Aileen Anderson from Saint Albans, Me has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Demetrius Johnson from Detroit , Mi has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Shamika Hamilton from Melbourne Beach, Fl has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Elizabeth Adegbola from Corona, California has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Colin Wingate from Waterford, Queensland has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Tamera Howell from Tacoma, Wa has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Antoinette Cousins from Alpharetta, Ga has become a Ztegrity Ultra Elite Rewards Card Holder!
  • James Parker from Buckeye, Az has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Julia Gakure from Nairobi, Nairobi has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Catina Collier from Huntsville, Al has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Lois Campbell from Belleville, Mi has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Wendy French-babiy from Elizabeth City, Nc has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Kiumars Kiani from Cincinnati , Oh has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Fabian Tubbs from Humble, Tx has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Felicia D Washington from Mountain Top, Pa has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Lionel Anderson from Tobyhanna , Pa has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Jerrell Hancock from Brooklyn Center, Mn has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Tami Nickerson from Dallas, Tx has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Maxwell Poswal from Columbia, South Carolina has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Wanda Morris from Dallas, Ga has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Antowyn Zackary from Stone Mountain , Ga has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Jawaad Abdul Ali from Mount Rainier, Md has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Lavoera Cooper from Sanford, Fl has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Ahmad Milton from Philadelphia, Pa has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Sterling Smith from Ashland, Or has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Laquoiya Taylor from Houston, Tx has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Timothy Mills from Richmond , Va has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Samuel Zajarias from Aventura, Fl has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Sam Beach from Beverly Hills, Florida has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Florita Atkins from High Point, Nc has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Nercius Cincyr from Altamonte Springs, Fl has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Lawanza Moore from Charlotte, Nc has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Jacqueline Hunt from Nashville, Tn has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Louis Campbell from Gary, In has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Charles Michael from Kent, Wa has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Jeandaia Ray from Dolton, Il has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Geneva Byrd from Irvington , Nj has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Rosalind Ballard from Durham, Nc has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Jean-michel Julien from Randolph, Ma has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Shaun Camp from Conyers, Ga has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Lester Flax from Miami Gardens, Fl has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Deloris Mccants from Newark, Nj has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Janice Thomas from Durham , Nc has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Ernest Watson from Beaufort , Sc has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Rudolph Mckenzie Jr from Laurinburg, Nc has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Marvin Pollard from Altadena, Ca has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Tiffany Collins from Houston, Tx has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Gregory Armstrong from Atlanta, Ga has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Brenda Reed from Paramount, Ca has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Richard Dial from Broken Arrow, Ok has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Irene Bwewusa from Laurel, Md has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Indira Wilburn from Chicago, Il has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Caliente Janet from Grayson, Ga has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Davian Lewis from Richmond, Va has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Jeremy Sisneros from Albuquerque, Nm has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Courtney Baskerville from Atlanta , Ga has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Hannah Thangwa from Nairobi, Kenya has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Wesley Mason from Brentwood, Tn has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Senetria Pritchett from Rome, Georgia has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Frank Carillo from Lihue, Hi has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Stacy Sam from Houston, Tx has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Tideus Lewis from Greensboro , Nc has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Hellen Mureithi from Kerugoya, has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Bianca Moody from Richmond, Tx has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Ronnie Washington from Altamonte Springs , Fl has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Bernice Blackwell from Garfield, Oh has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Keith Mcintosh from Jacksonville, Fl has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Stephanie Adegbola from Corona, California has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Dwante Meux from Wyoming , Mi has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Beverly Brooks from Havelock, Nc has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Jesse Unpingco from Oakley, Ca has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Charles Ford from Chicago , Il has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Nefertari Williams from Houston , Tx has become a Ztegrity Ultra Elite Rewards Card Holder!
  • David Pitt from Alexandra Hills, Qld Australia has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Anton Hamilton from Norwalk, Ca has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Kiwanna Williams from New Orleans, La has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Daniel Hurtado from Temecula, Ca has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Michael Green from Brampton, Ontario has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Sumner Jasky Jenkins from Covington, Ga has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Leah Penney from Lowell, Ma has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Carrie Steptoe from Navasota, Tx has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Scott Bollett from Rossford, Oh has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Marshaun Zeigler-dumas from Lancaster, Pa has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Brian Whitted from Sanford, Nc has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Richanda Hatcher from United States, Tx has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Ken Riches from Guernsey, has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Victoria Hampton from Hampton, Va has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Denise Walker from Oklahoma City, Ok has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Christopher White from Chesterfield, Mi has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Dominic Curry from Waldorf, Md has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Damian Decuir from Houston, Tx has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Devontae Dawson from Fayetteville, Nc has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Herbert Holden from Live Oak, Fl has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Jamillah Mack from St Petersburg , Fl has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Lasonya Basham from Oklahoma City, Ok has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Asha Patton from Franklinton , La has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Justin D Alleyne from Hackensack, Nj has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Audrey Turner from Sandy, Ut has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Samuel Licorish Iii from South Chesterfield , Va has become a Ztegrity Ultra Elite Rewards Card Holder!
  • John Butler from Huntsville, Tx has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Karen Hurst from Davie, Fl has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Wayne Mcneil from Philadelphia , Pa has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Coral Flores from Ukiah, Ca has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Shomar Innis from Loganville, Ga has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Wilford Johnson from Houston, Tx has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Ruthy Mcfadgion from Fayetteville, Nc has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Emmitt Wilborn Jr. from Pflugerville, Tx has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Ronald Maria from Waianae, Hi has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Carmela Nicholas from Brooklyn, Ny has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Omari-ali Timmons from Towson, Maryland has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Kathy Rompola from Richmond, Tx has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Albert Fano from Pago Pago, As has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Anthony Marshall from Philadelphia, Pa has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Optimus Investment Corp. from Las Vegas, Nv has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Keith Monroe from Owings Mills, Md has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Tasha Leach from Willingboro, Nj has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Nadiyah Coly from Davenport, Ia has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Crystal Mintz from Bowie , Md has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Daye England from Lithonia , Ga has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Rhoshaunda Williams from Tyler, Tx has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Shanta Smith from Maricopa, Az has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Job Levine from Beaumont, Tx has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Eugene Smith Ii from Harleyville, Sc has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Gerard Saltibus from Gros Islet, has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Dean Hart from Meridian, has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Betty Gertman from Hempstead, Texas has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Ton Timmons from Towson , Md has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Alyson Carter from Louisville, Ky has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Kashmere Bling from Victoria, has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Shenelle Homer from New City, Valencia, has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Jonathan Kanfer from West Palm Beach, Fl has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Lagressa Gomillia from Lawrenceville, Ga has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Juan Rubio from Houston, Tx has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Tyler Cotten from Bedias, Tx has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Edward Degrate from Lorena, Tx has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Nicole Alexander from Ypsilanti, Mi has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Demetria Postway from Houston, Tx has become a Ztegrity Ultra Elite Rewards Card Holder!
  • John Jallah (dr. Jay) from West Palm Beach, Florida (fl) has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Helen Aldin from Gerrard Cross , Buckinghamshire has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Nathan John Hill from Orangeburg, Sc has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Sidney Trainer from Las Vegas, Nv has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Wesley Mason from Brentwood, Tn has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Joel Julien from Louisville , Ky has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Victoria Hampton from Hampton, Va has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Angela Lockett from Jonesboro , Ga has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Derricka Thompson from Detroit, Mi has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Allan Umphrey from Columbus , Oh has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Vicroria Rush from University Place, Wa has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Evelyn Jarbah from Golden Valley, Mn has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Michael Clark from Charlotte, Nc has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Marilyn Idlebird from Grand Prairie, Tx has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Jamiyah Flowers from Houston, Tx has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Refund Thomas A Abernathy from Decatur, Ga has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Charles Hudson from Southfield, Mi has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Za'aliyah Johnson from Waco, Tx has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Fred Bruton from Houston, Tx has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Sandra E Jackson from Bedford, Tx has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Theodore Franks from Cedar Rapids, Ia has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Terry Maluseu from Pago Pago, has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Troy Adkins from Broken Arrow, Ok has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Cherina Mcclease from Levittown, Pa has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Rosie L. Smith from Lansing, Il has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Shareka Brown from Atlanta, Ga has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Bernell Beco from Inglewood, Ca has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Zeno Cohen from Post Falls, Id has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Callena Smith from Garland, Tx has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Joann Lones from Conway , Sc has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Steve Dolan from Tinton Falls, Nj has become a Ztegrity Ultra Elite Rewards Card Holder!
  • Ametha Broadwater from Bristol, Va has become a Ztegrity Ultra Elite Rewards Card Holder!
Introducing The Worlds First METAL Prepaid MasterCard With World Class Rewards!
Introducing The Worlds First Secured, Prepaid, Elite Rewards, Debit Card Made Out Of Metal!
"What if we created beautiful metal cards that combine the 5 types of cards into a single
card?  I think we could create an amazing product that would really help a lot of people!"
Troy Mason C.E.O.
Introducing The Worlds First METAL Prepaid MasterCard With World Class Rewards!
A ZBLACKCARD IS LIKE A SECURED CARD

* It can help you to establish or rebuild your credit history with
  responsible use.

* It allows you to have a secured credit line of up to $10,000.

* Good credit or a bank account is NOT required to get a card.

* Your card can also be used as a prepaid card that you can
  load to make your purchases.
Introducing The Worlds First METAL Prepaid MasterCard With World Class Rewards!
Introducing The Worlds First METAL Prepaid MasterCard With World Class Rewards!
A ZBLACKCARD IS LIKE A CREDIT CARD
* It allows you to rent cars.
* It allows you to book hotel rooms.
A ZBLACKCARD IS LIKE AN ULTRA ELITE REWARDS CARD
* It allows you to earn amazing rewards
* It allows you to earn incredible shopping sprees
* It allows you to drive your dream car
* It allows you to earn fantastic vacations
Introducing The Worlds First METAL Prepaid MasterCard With World Class Rewards!
YOUR ZBLACKCARD COMES WITH A BANK ACCOUNT
* You can do direct deposit and money transfers to your card.
* You can save a ton of money on a number of fees with our card.
* You can withdraw your money from bank tellers at ANY bank.
* You can load money to your card with the INGO Phone App.
* You can use Western Union and MoneyGram to load your card.
* Also there are never any point of sales fees with your card.
* There is never any late fees, overdraft fees or transfer fees.
* Over 70,000 in network ATMs with no more than a $1 fee.
Introducing The Worlds First METAL Prepaid MasterCard With World Class Rewards!
Let's talk about building credit
A good credit score can help you when you need to borrow money to pay down bills or buy a car. But you need a way to build credit. That's why we created the ZBlackCard Secured Card.

It works just like any other card. The difference is that we give you a secure line of credit up to the amount you select.

Be sure to make on-time payments and keep your card balance low. Your monthly payments get reported to the credit bureaus, which can help you build a positive credit file over time.