Carrying a balance on your credit card and making regular payments is the single fastest way to improve your credit score, according to my financial institution. It's only reported if you carry a balance. Paying your card off in full every month is great, but not helpful if your goal is to improve your credit score.
While I'd like to have a card for emergencies, I'm not sure I want to carry a balance; someone else told me that if you carry a balance of less than a thousand dollars on your credit card, you're fine.
Nevertheless, I'd really like to improve my credit score so am considering getting a credit card, charging something and making time payments for awhile.
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