... lower• The total balance you owe compared to your available credit the larger the balance, the lower your credit score• How long you ve had a credit history the longer your history, the better ... familiar with the power that your credit history has over your ability to borrow. But even if you ve never had a credit problem, the more you know about what your credit report is, how your credit ... time, you should eventually qualify for a regular credit card. The deposit account is in your name, but if you don’t pay your bills, the credit card issuer can claim the money in the account...