There are some interesting tactics that a person who has just entered the credit world can do to ensure that obtaining a mortgage or buying a new car is a simple experience that results in a great credit line and interest rate. The tough economy has made it difficult to keep credit cards in good standing, but making sure a card is paid on time and that a balance kept on the card is not too close to the limit will make a potential borrower much more attractive to a lender especially if that borrower is rather young.