Why I write on credit card applications
This should be done well in advance, since correcting a mistake can take anywhere from one to three months and possibly even longer. Pay your bills on time. Most credit card companies will take a close look at your history of payment in order to determine your eligibility for a credit card with better terms. Even a single missed payment can cause your credit rating to decrease considerably. If you want to improve your credit rating, paying your bills promptly is a great way to do that.