<prompt> Human: Title kinds of says it all. Just bought my first new-to-me car yesterday. No penalty for overpaying bills and I have more than enough in savings to pay it off in no time. The car is about 10k and I have 26k saved. I have no other bills and my only credit history is due to student loans which I have paid in full got extremely lucky with scholarships. If I pay this car off with minimum payments over 5 years it will be about 13k due to roughly 10.5 interest. If I want to build credit, is there something better I can do to do so?  <response>: Pay off your car immediately. Get a credit card and put your Netflix subscription on it, then pay it in full every month. Building credit doesnt have to cost money. 