<prompt> Human: Im going to be getting Invisalign this summer, which runs about 5k. I have the cash in hand to do so, but Id like to use this as an opportunity to increase my credit currently floating between 7:35-750 depending on where I check my score. Whats the best option? A. Ask for a credit increase on an existing card or multiple cards split it between them?. I have a BofA credit card with a 2.5k limit a Discover Card with something similar.. Maybe 3k? Id probably ask for my interest rate to be lowered too.B. Get an entirely new card with a 0 interest rate pay it off over those months in full that last month before interest kicks in. Or one of those CareCredit cards specifically for medical expenses.C. Pay in cash and say Eff it to any credit.I know very little about how hard soft pulls will be instituted or effect me, if paying a certain perentage of interest is worth the uptick in my credit score, or any other worries I should have, so throw your advice my way!!  <response>: Paying interest does NOT increase your credit score. It would actually make your score drop, since your utilization would increase. You should NEVER have to pay interest solely to increase your credit score.Opening a new credit card and putting a small purchase on it once a year would help your credit a lot more than opening a new credit card and spending 5k. Pay in cash. 