<prompt> Human: 18K in savings, 760 credit score, 700 in retirement just started with new job and am taking advantage for employer matching contributions, 1K in IRA, 10K overall credit limit, and no debtsloans. I live very frugally and just saving up as much as I can. I live with my folks and am helping them out with the mortgage payments and other billsutil. But other than that I dont really spend my money on anything else. I would like to increase my credit score more as I plan to buy my own home in the future but do I really need to make a big purchase in order to help build my credit score overtime?  <response>: No, everyone thinks this and the answer is always no. Never spend money interest payments to build credit!If you have a good credit score, you can always apply for another credit card or two for example get one with good cash back rewards, or a good signup bonus. This will help your credit in two ways: it will lower your utilization ratio, and will give you more accountpayment history. It can also increase your average age of accounts if you get credit cards early and keep them for a long time; years from now when you are trying to buy a house, this will come in handy. 