How does using the Kikoff Credit+ Cash Card help me increase my credit score?

Modified on Mon, 17 Oct 2022 at 03:43 PM

Your credit score is determined by three major factors: payment history, credit utilization, and account age. The Kikoff Credit+ Cash Card offers features that help with all three of those. 

Automatic on-time payments On-time payments for credit cards determine a big part of your overall credit score with the credit bureaus, 35% in fact. The payments on the Kikoff Credit+ Cash Card will be automatic and always on time every month, and we report these payments monthly to the three different major credit bureau agencies to help you build credit.

No need to worry about high credit utilization We do not report utilization for the Kikoff Credit+ Cash Card, so there’s no potential for high utilization rate on this card to hurt your credit. 

Build your credit over time The longer your healthy credit history is, the better your credit score will be. So starting a new account with the Kikoff Credit+ Cash Card and maintaining it will help your credit as you go. 

Please note that as with all credit products, opening a new line of credit can cause your credit score to drop slightly initially for a short amount of time, but it will come back as you continue to use the product. 

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