Having at least two credit cards and keeping the balances low compared to your limit will help to improve your credit score. Make regular, on-time payments to your account and it is likely the credit card company will increase your limit. Lenders like to see high limits with low balances, because it demonstrates you are trustworthy and responsible.
If you have a low credit score, especially lower than 600, you may want to quickly get a copy of your credit report and see where you can improve your score.
Before you apply for a Columbia credit card, be sure to get your free credit report.
For help with improving your Credit Score, you can visit www.GoLookOnline.com