How Cherita Turned Spending Into Better Credit with Atlas

Cherita will be the first to tell you that shopping is her guilty pleasure. So when she started looking for a way to build credit, she didn’t want to stop shopping, she just needed a card that helped her build while she spent.

"When I started with Atlas, [my credit score] was at like a 457, and now my current score is at 601."

That's a 144-point climb. And it happened while she was living her normal life.

"Be ready for your credit to definitely grow." — Cherita, Atlas member

Effortless savings

"I had built up quite a bit of a spending account. I looked in there and I had like 400 bucks on my Atlas [card]!"

She hadn't been tracking it closely. The balance had quietly grown on its own.

"I didn't even know I had built that account up that much. I was like, 'Oh, well, I got some money.'"

Linking the subscriptions, stacking the points

"I've linked my Netflix and my Spotify to [Atlas] because I get the cashback from the Netflix and Spotify."

Recurring subscriptions are an easy win — automatic charges, automatic cash back on eligible purchases, automatic credit reporting. No extra effort required.

She's now at the platinum tier with 21,000 points accumulated.

“I went from a 457 to a 601… now every dollar I spend actually works for me." — Cherita, Atlas member

Spending more consciously

Something shifted for Cherita beyond just the credit score. Using Atlas made her think differently about where her money was going.

"I spend more consciously now. I just don't spend money just because. What I like about Atlas is that accountability."

Even her shopping habit got an upgrade.

"When I do want to do shopping or when I go on Temu, I know I use my Atlas card for it because I'm like, 'Okay, at least if I'm using this, I get cashback.' I get 5% cashback."

It's the same spending — just smarter.

"I think now I spend more consciously, like I make sure that it's how is it benefiting me financially."

Credit Score Growth

"My credit score is up 140 points so far."

Ready to start your own story?

If you're ready to make your spending work for you — not just leave your account — Atlas is a good place to start.