Can I build credit without a credit card?

@juston 

Yes, you can build credit without a credit card. Here are a few ways to do so:

1. Secured credit cards: These cards require a cash deposit that serves as collateral for your credit limit. By using a secured credit card responsibly, you can establish a credit history and build credit.
2. Credit-builder loans: These loans are specifically designed to help individuals build credit. You borrow a small amount of money from a lender, and as you make timely payments over the term of the loan, your credit score improves.
3. Become an authorized user: If you have a family member or friend with good credit, you can ask them to add you as an authorized user on their credit card. Their responsible credit usage can help you build credit, but make sure the primary cardholder maintains good financial habits.
4. Rent reporting services: Some services allow you to report your monthly rental payments to credit bureaus, which can help establish a credit history and improve your credit score.
5. Utility and phone bills: Paying your utility bills and phone bills on time can sometimes be reported to credit bureaus, which can contribute to building your credit.

Remember, building credit takes time and consistency. Ensure that you make timely payments, maintain a low credit utilization ratio, and handle your financial obligations responsibly to build a positive credit history.