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Your new Milestone Mastercard is active. Now what? Making smart choices with your first few purchases helps you build credit and avoid interest.

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Start small

Buy something small like gas or groceries. This tests the card and keeps your balance low.
Aim to use less than 30% of your credit limit. If your limit is 00, keep your balance under 0.

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Pay in full

Pay the full balance before the due date. This means:
  • No interest charges
  • Good marks on your credit report
  • Builds a strong payment history

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Set up autopay

Log in to milestonecard.com and turn on autopay. Set it to pay the full balance or at least the minimum.

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Best first purchases

Try these to build good habits:
  • Weekly groceries
  • Monthly phone bill
  • Gas for your car
  • One streaming subscription

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What to avoid

  • Big purchases you can’t pay off
  • Cash advances (they cost a lot in fees)
  • Missing the due date

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Track your spending

Use the milestonecard.com dashboard to check:
  • Current balance
  • Available credit
  • Recent transactions
  • Due date

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Build credit faster

  • Use the card at least once a month
  • Pay before the statement closes
  • Do not open other new cards for 6 months
  • Check your credit score every 3 months