<prompt> Human: I am a 19 year old college student and I plan on buying a used car with my own money. Since I dont have credit and due to the fact that I will be financing, I would have to buy under my dads name. I plan on applying for a credit card once I purchase my car, then using that card to pay the monthly payments, in hopes of slowly raising my credit score. My confusion comes here: will BOTH my dads credit and my credit go up? Since the car is purchased through his name and because I would be using my credit card to make monthly payments, I would assume so. Tell me if Im wrong, because at the same time it seems unlikely to benefit to credit scores with one car purchase. Thanks in advance.  <response>: Its very unlikely you will be able to use a credit card to pay the loan. The business pays a transaction fee when they accept credit card payments. Either they wont allow it or will add a service fee on top that would make it useless. 