To establish credit, signed approvals can start by applying for a credit card, particularly a secured credit card if they have no credit history or a limited credit history. Secured credit cards require a deposit, which serves as collateral and minimizes the risk for the lender. By making regular, on-time payments and keeping credit card balances low, they can demonstrate responsible credit use. Additionally, becoming an authorized user on a family member's or friend's credit card can help build credit, as the positive payment history on that account will be reported on Akermon's credit report. It's essential to monitor credit reports for accuracy and address any errors promptly. Paying interest typically comes into play when carrying a balance on a credit card. While it's generally advisable to pay credit card balances in full each month to avoid interest charges, if a balance is carried, interest is incurred on the remaining amount. Therefore, managing credit responsibly and paying off balances promptly can help minimize interest costs while still building a positive credit history.