Firstcard helps you build credit through two important methods:

1. Firstcard helps you form good spending habits by making sure that you don’t overspend—what you deposit is what you can spend.
2. With Firstcard, there's no need to worry about your credit utilization ratio—it simply doesn't apply. This means you can avoid the negative impact that a high credit utilization ratio can often cause.
3. Firstcard’s autopay feature ensures you make on-time payments by automatically paying off your Firstcard bills using the money you’ve already deposited into your Firstcard account every month. 

By using Firstcard for purchases and making timely payments, your good on-time credit activities are reported to all three major credit bureaus (Equifax®, Experian®, and TransUnion®) and you can improve your credit score over time.