Late payments also hurt your FICO score. And never, ever take out a cash advance on your credit card.
If you're in poverty and all you have is a debit card or a prepaid card or you pay in cash, it does not report to a credit bureau. If it doesn't report to a credit bureau, it cannot create a credit score for yourself.
The world needs another vehicle to get people to pay in cash.
A cash advance on a credit card is one of the worst types of borrowing because the interest rate is typically 21 percent or more.