<prompt> Human: I have zero credit. I heard building credit by shopping at grocery with my credit card and paying back on time will take so much time to get even decent credit score. I leased a toyota corolla with 15 interest rate for 2 years and I can refinance after 1 year and turn the lease into purchasing through my bank. I will get good credit after paying the lease well for 1 year right? Which means I will get good apr rate when i try to refinance my corolla... I am in usa with 2 years work visa and I can renew every 2 years. But they werent able to approve any financing for more than 2 years. They said if i have good credit score, they will approve 6 years loan even if i cant prove that I can stay in usa for 6 years. That is why i chose 2 years lease route.. Do you think i made a good decision? Assistant: Do you think i made a good decision? IMO... No. Leasing a car at 15 was a horrible decision.If you want a good credit score, just get a beginner credit card used responsibly and paid in full every month. Voila. Credit score without paying any interest.Human: I have had a bank of america cash reward card for 5 months and i always pay on time and i still have no credit score : I needed a car fast and i liked the fact that i can switch from lease to refinancing after 1 year of lease... I pay 460 for the corolla 2015 full package option a month... But when i refinance with lets say 4 interest rate next year, it will be 300 a month or something...  <response>: I have had a bank of america cash reward card for 5 months and i always pay on time and i still have no credit score : Yes, credit scores take a while to build up. But at least this method was free to do. I pay 460 for the corolla 2015 full package option a month... Brand new 2015 leased car at 15 interest rate?? Im going to stick by my opinion of that was a horrible decision. But when i refinance with lets say 4 interest rate next year, it will be 300 a month or something... Youre assuming that you will 100 be guaranteed approval of this refinance. But not everyone who applies for a refinance gets approved for it. Especially when it comes to cars, since they depreciate and you will probably end up underwater by next year. 