What’s the best option if I want to rebuild my credit after some late payments?

[asiyatanisa]

If your score is low, start with a secured card. A credit card to build bad credit helps you show consistent payment behavior and keeps your utilization in check. Deposit-based cards like these often graduate to unsecured ones after a few months. Use the card lightly, pay on time, and you’ll start seeing your score move upward.