<prompt> Human: I am 18 and planning on getting a credit card to build credit score. I am good at managing money and am pretty sure I will have no issue with paying on time as I hardly spend money on anything and have quite a bit saved up, so does APR really matter? Is APR payed regardless of credit score or what?  <response>: APR only matters if you dont pay off your balance, in full, every month. In your situation, as long as you are never carrying a balance on the credit card,, you wont have to worry about APR. 