<prompt> Human: Hi, Im 21 and got my first credit card last summer. It is a Southwest Rapid Rewards Visa credit card I got through Chase Bank. Its max is 4,500.Since I got it, Ive only charged maybe 500 to it, and I have paid them all back on time.I signed up at CreditKarma to check my credit score for the first time and says my credit is 612 Poor. How is this so?Is it because I only have 1 account? Im not even sure what that means. CreditKarma also shows my student loans federal subsidized and subsidized but I will not be graduating for another year or two, so I have not made payments toward the loans yet. I asked a relative who said my score is probably low because I have very little credit history and no employment history I started working 20 hours a week months after I got the card. Could this be the reason?  <response>: You dont have a high average age of account, you dont have a lot of revolving credit accounts, you dont have a high credit limit, you dont have other secured loans or closed accounts, etc. Most of these will come with time, dont stress if you dont have exemplary credit right of the bat. 