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Late payments are credit score killers.you can help your score by always paying your bills on time and in amounts greater than the minimum due. Below, we'll go through your top options in greater detail as well as provide tips for how to improve your credit standing and get approved for better credit card offers. There are many stores with online catalogs that offer instant credit, where you can apply for and receive a credit decision in seconds. Catalog credit cards, often referred to as merchandise cards, offer guaranteed approval and the potential for substantial credit limits—all without requiring a security deposit.