do this for all of your credit cards and loans or at least get on the email or text reminder lists provided by the lenders this will help ensure that you remember to pay at least the minimum on time every month 
beware of advertised quick fixes to your credit score experts warn that there s no such thing make payments above the minimum amount due whenever possible set a realistic repayment goal and work toward it gradually having high total credit card debt damages your credit score and paying more than the minimum due can help raise it credit card accounts provide these disclosures focus on paying off the highest interest debt fastest this will free up the most cash which you can then begin to apply to other lower interest debts don t close credit card accounts that you no longer use also don t open new accounts that you don t need either move can damage your credit score if bad credit has made it difficult for you to get a regular credit card consider applying for a secured credit card it is similar to a bank debit card in that it allows you to spend only the amount you have on deposit having a secured card and making timely payments on it can help you rebuild a bad credit score and eventually qualify for a regular card it also is a good way for young adults to begin to establish a credit history 