<prompt> Human: My parents are so pushy for me to build my credit that they want me to buy things on a loan to build credit instead of paying out of pocket I have always had enough in saving for every purchase I make. Ive seen that chart on this subreddit of where you should be putting your money first and Ive been trying to live by that but my parents have other ideas and Im too inexperienced to know whats best for me.In example, Im torn on getting my hands on another car or just fixing the AC in my clunker because that is the only problem it has for me after hitting a pole in the Winter but my dad said that if it were him he would not only get rid of the car but buy a brand new car and not another in-shape used car. He said if it was expensive enough to pay for it on a loan it would last longer and I would build credit. I wanted to just get the AC fixed out of pocket because I only have PLPD on it now.Another thing is that my mom wants me to take out student loans for my community college tuition to build credit. I started doing that when I first started but seeing it already building up 60 in interest in the first year made me just pay it in full secretly. I have a credit card and use it for all my micellaneous purchases. I think my credit score was 671 yesterday on the Discover app? Anyways Im 20 and work jobs in the summer and save basically all of it then I go to school for cyber security during the school year. Would really appreciate any words of advice regarding credit at my age. Thanks all  <response>: At 20 your credit score isnt a huge issue, but using a credit card for small purchases you would be making anyway and paying them off in time and in full is more than enough for your credit rating for now and to build it gradually for the future.With regards to loans for cars - no. Until you have a stable career, Id totally avoid long term loans, you can get in a mess very quickly with those. 