One of the best ways to save, oddly enough, is to open a credit card.

说来也奇怪，最好的省钱办法是开一张信用卡。

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We are pleased to inform you that we have been requested to open a credit in your favour.

我们被请求已开出以贵方为受益人的信用证，特此通知。

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We are not pleased to inform you those we HAs be requested to open a credit in your favour.

咱们被请求已开出以贵方为受益人的信用证，特此通知。

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If this is the case, you should know that you can actually open a credit card account and not use it and it will still positively affect your credit report.

FORBES: How To Fix Bad Credit On The Cheap

Alternatively, if you have concerns about your ability to effectively manage credit, you can simply open a credit card and never use it because maintaining a credit card at zero balance is considered responsible use.

FORBES: Send Your Christmas List to FICO This Year

First, you can open a credit card, make purchases with it and pay for them in full each month in order to avoid interest costs and build the discipline of spending only what you can afford.

FORBES: Send Your Christmas List to FICO This Year