<prompt> Human: So I was wondering guys, as someone whos never owned a credit card but needs to start building up his credit report, would it be an acceptable use of a credit card to get one then use it to buy the parts i would need for a gaming PC that I have been waiting to build for a while and then just paid off overtime?on time or a little bit early to build up my credit report? Is that how those work or am I just dumb, please explain like Im five if needed.  <response>: Thats not the best way to start building credit. You dont want to get into the habit of carrying a balance on your credit card, and carrying a balance doesnt help your credit score. You should read the sections linked by the Moderator Bot. 