Build Credit
with Step

Step is the best way to build your credit Unlike other credit building cards you can start building positive credit history before you turn 18 and there are no monthly subscription fees All you have to do is use your Step Visa Card for everyday purchases We take care of the rest

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APP RATING

Apple App Store

45477 Reviews

My Credit score is 734 and i just turned 18

You guys are amazing My credit score is 734 and I just turned 18 a couple weeks ago This will be amazing for my student loans Thank you

Michael P

Amazed that is was so high

I knew I was building credit but was amazed that it was so high I have been a Step customer for almost a year and am so grateful to have had the opportunity to build a positive credit history even before turning 18

Sham K

Boosted my score Over 100 Points

Step has helped me establish a long credit history and boosted my score over 100 points I had a student credit card with a score of 600 Once I opted in with Step I got a score of 700

Dorothy M

It brought me from no score to 735

I didnt have a score before Step but when I chose to opt in it helped dramatically It brought me from no score to 735 in one night because I was using Step previously

John C

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What is a Credit score and why is it important

A credit score is a number between 300 and 850 that represents how responsible you are with money Your ability to get affordable rates on things like student loans cars apartments and cell phone plans depends on your credit score The higher the score the more likely you are to get approved with lower interest rates and premiums ultimately saving you money A good score is considered 670739 by FICO and 661780 by VantageScore 302

18 year olds whonused step for 7 monthsn saw an average Credit Score of 7253

Building credit is simple with Step

We designed the Step Visa Card to make building positive credit history easy because you’ve got other things to think about. Like your hopes and dreams.

Use yourn card

Make purchases with your Step Visa Card They dont have to be big purchases but its best if you use your card regularly

Build YOUR Credit History

With Smart Pay your purchases are automatically paid off every month using the funds in your deposit account

Report your Positive History

Opt in for us to report the positive payment history youve accumulated to the credit bureaus You must be 18 to opt in

It pays to build credit with step

Rates are determined by a number of factors, including credit scores. Here is what an 18 year old Step user with a score of 725 could pay compared to costs associated with lower credit scores.

Car Insurancencould costn 147MO or 250MO4

student loan interest raten could ben 624 or 10465

a security depositncould ben1 mo rent OR 2 mo rent6

We know what youre Wondering

How are credit scores calculated?

In general, there are 5 factors considered in credit score calculations: your payment history (35%), how much you owe (30%), the length of your credit history (15%), the types of accounts you have (10%), and recent credit activity (10%).

How often is credit reporting updated?

Step reports your credit history to the bureaus every month.

How do I opt in to credit reporting with Step?

If you are 18 or older, you can opt in to credit reporting by visiting your account information from the menu bar. Scroll down to “Account Management”, tap “Credit Reporting”, and select “Opt In.”

What do you report and to who?

We will report your credit history to Experian, Equifax, and Transunion. Once you opt in, we report up to 2 years of your history.

What steps can I take to improve my credit score?

In general, it’s best to use loans and credit cards responsibly, make prompt payments, limit applying for new accounts, and keep old accounts open. Improving your score takes effort and patience.

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Build Creditwith Step