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1). Establishing Credit Whether you have previously had a good credit standing and lost it, or you are just beginning to accumulate credit and establish a credit rating, a few standard concepts will help you establish a good credit rating. 2). Secured Credit Cards A secured credit card can be an excellent way to create your credit history, or to build it back if, for instance, you have filed for bankruptcy in the past seven years or your credit is not looking so good. 3). Unsecured Credit Cards Though both secured and unsecured are accepted virtually everywhere, the unsecured credit card is both more convenient and usually less costly to obtain for the consumer.