I've built credit through my Bank card, I just swipe it as Credit- all the purchases I've ever made, particularly online (which is the only time I ever use it) show up immediately, and as long as you have the funds- the credit is built in a positive manner.
Now, I could be totally ass backwards on the subject as to how I have established a good credit rating. In fact a great credit rating. Either paying monthly on my car did it, or as I said, the bank card usage. Regardless, my rating was 3, 1 being best and 6 worst.. iirc. From what I was told, that is pretty damn good for an 18 year old (at the time). I go through Keybank.
