Picking the right plan can be crucial!

First and foremost, choose a plan that you’re comfortable with for the long haul—ideally, sticking with it for at least a year. Consistency is key as it demonstrates financial stability to lenders.

While your monthly fee matters, it’s secondary. A higher fee can indeed have a greater impact on your credit each month, but it’s more important to select a plan you can consistently manage.

In summary, the best approach is to opt for a plan that fits your budget and that you’re happy to maintain over time. This consistency is crucial for building a strong credit history.