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  #1 (permalink)
: I just applied for a credit card from my bank and I wanted to know how I can build up my credit ? I also wanted to know if my credit score starts at zero? And if it doesn't where does it start ?

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: by paying your bills on time with the credit card
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: How to get top credit (with time).
Use the card for something small you need like food or gas each month.
Pay in full when you get the bill in the mail. (not before).
Keep usage small. Try not to spend more than 30% of the limit.
By paying in full, you never pay interest and develop amazing credit with time.

It is a myth that you need to carry balances to get good credit.
Not sure how that rumor ever got started.
The fico score range is 300 to 850.
It takes about 7 months to even develop a score with a credit card.
2 years of good usage will develop good credit.
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