If i use my Zales or pac sun credit cards will it help my credit score?

[stopthebleeding]

Or does it have to be a major credit card?

[Flamingo]

If those cards are open and valid, either will help but you have to be vigilent and careful over the next few years as to your credit. Be careful about applying for credit as the inquiries can work against you. As to those two cards, every now and then, say every 2-3 months, charge a small amount and then when the bill comes in pay the amount in full immediately and well before the due date. Keep doing that for a while and it will help your score.

[stopthebleeding]

Thank you yes they made it through bankruptcy. I am scared to get a capitol one with all of the negative feed back . I don't want to use credit but I need to build it again i will need a car in the next year. My car has 181k miles lol.