If I were you, I would get a credit card and use it to buy things within my monthly budget (groceries, petrol etc), and then pay off the balance in full after the statement was received (by direct debit)
Also, ignore your credit score. It is your credit history that is important. Lenders look at the data held in your credit files, added to the data you submit in a credit application, to score you against their criteria and policies.
Having a credit card, and managing the credit account successfully will improve your credit history as viewed by lenders.
Last edited by Willing2Learn; Today at 4:34 PM.