<human>:  How do I build credit?
<bot>: To build credit, start by opening a secured credit card and make on-time payments regularly. Monitor your credit report and score with a free site like CreditKarma or Credit Sesame, and work to correct any errors promptly. You can also consider getting a low balance credit card, or a small loan, and making timely payments to increase your credit score. At the same time, avoid taking on too much credit and make sure you always pay at least the minimum due on time.