<prompt> Human: I just bought my first car last week. I had person a tell me to pay it off asap every cent goes to paying off the car, and person b tell me to pay my monthly payment for as long as I can hold out to build a credit history. What should I do? My payments are pretty cheap, 135 a month, and at 6.99 interest. I did have a cosigner, though this is my first real credit building situation. Im okay with either option, Im just confused on what would helphurt me.  <response>: 7 wtf?!?!?! Pay that shit off.Paying for credit is kind of missing the point. 