I would really like to start focusing on building my credit score stronger, I understand it takes several years and good spending habits as well as on time monthly payments, But what is the absolute best way to USE a credit card to help build that credit score up? And out of Capital One, Discover, Or Chase, Would be the best company to go with? I have no negative actions on my credit report through all 3 bureaus so im good there. I hear a good way to build credit, Is to STOP using Debit, and run everything through my credit card, and pay it off to a zero balance every month?? is that also true? lets hear it all