I have been trying to re establish my credit. I decided to get a 400.00 MC with HSBS, a Best Buy Rewardzone Mastercard. I have been using it for almost a year. I charge normally small amounts, like gas or groceries, then pay it off mostly or in full when I'm paid each month on the 15th. I work full commision so I get a small draw check at the end of the month and the big check on the 15th. I also set up an auto pay to pay 50.00 a month, instead of the minimum 15.00 required by the 15th. Then depending on how much I charged I would also go... read full review »