<prompt> Human: I moved to the US about 2 years ago. I had no credit history at that point, so it was hard to even get a credit card. Since then, I was able to get a decent credit card, and a car loan with an interest rate of 5.5. I have about 4 years left in car payments, but I could pay it all off in the next few months.Given that I plan to mortgage a house in the next 5 years or so currently renting, does it make sense to drag on my car loan so that I build up my credit history, and as a result, get a better mortgage rate? Or could I build up enough credit history by just using my credit card?  <response>: Instead of paying unnecessary interest on your car loan, its better to open up couple more rewards credit cards, so you can maximize rewards, and still build credit. Pay the car loan off, and as long as you using your cards responsibly your credit will be fine. 