<prompt> Human: I got my first credit card the other day, and after being rejected for two previously I went with one that knew I would get. The capital one journey card. I plan to putter around with this one for a year or so and build up some credit. My question is, since the credit limit they give me is only 300 dollars and I can easily pay it over and over every month, am i hurting myself by using it as a debit card essentially? I dont want it to accrue interest if i dont have to and I can pay it no problem so unless I am slowing my credit build up by doing this should I stop?  <response>: Pay it off in full after you get your statement. 