A Credit Builder Credit Card may be a valuable aid to people who are unfamiliar with credit. When looking for Ways To Build Credit, it's important for many people to understand that using their credit card responsibly can help build their credit. For those who might be asking, How Do I Build Credit? – paying bills on time and keeping balances low are two of the cornerstones of good credit-building. For some people, a secured card might be the fastest way to build credit, but there are ways to build credit without a secured card. The secret is steady and responsible monetary habits over time.