Finance expert shares strategies for building credit history with a credit card

Published July 7, 2026
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College of Business

Frank McEnulty, a lecturer in the Department of Finance at Cal State Long Beach, shared advice with WalletHub on using credit cards to build a strong credit history. He said paying your balance in full each month and using no more than one-third of your available credit can help build a strong credit profile.

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FRANK MCENULTY headshot
Frank McEnulty