<prompt> Human: Im finally getting to the age where I will need to start taking out loans to make bigger purchases. As of right now I have no credit history and am not really keen on signing up for a credit card. What other options do I have to build credit?EDIT: Thanks for the help! Ive decided to take out a credit card for a little use here and there on things I know I have the money for. Assistant: Credit cards are the free version... there are ways to build your credit score by paying interest, but why would you want to do that?Human: I guess my only apprehension would be that Ive seen my friends fall into steep credit card debt. Even if I took out a credit card that only required small payments, would that be enough to generate a respectable credit score?  <response>: If you opened a credit card, charged just a few bucks every month on it, and paid it in full, you would do great things for your credit, and you wouldnt pay a penny of interest in the process. The key is not to spend money you dont have, and to pay off your balance in full every month. The amount you spend is pretty much irrelevant. 