There are many factors that affect your credit score. According to the Consumer Financial Protection Bureau (CFPB), one of the main ways to build a strong credit score is to pay loans (or credit cards) on time, every time. They recommend setting up automatic payments (e.g., AutoPay) or electronic reminders to stay on top of your bills. When using Petal responsibly and making payments on time, you could see an improvement in your credit score over time.
To learn more about building credit, check out the FAQ on the CFPB website.