<prompt> Human: My credit score is currently around 740 from all three organizations. I think this is because I have student loans and my mom opened a Bank of America credit card for me that I used a few times while studying abroad.Anyway, I want a Sallie Mae Mastercard. This specific card gives 5 cash back on groceries, gas and books, which are exactly what Id be using the card for. I also want a credit card for the transaction security because all I have now is my bank card and I feel like Im playing Russian roulette every time I swipe it or use it online.Im pretty sure my mom is convinced that Im going to ruin my credit if I get the card. Shes afraid Im going to go overboard with the debt that I rack up on it, even though I told her itd just be for gas and groceries, which I already have a strict budget for each month.Would owning this card improve my credit if I use it wisely? Like, if I pay off my bills on time and keep my spending in between 0 and 9 of my limit? What can I say to convince her?E Thanks guys : Youve convinced me to bypass the mom-o-tron and open that credit card.  <response>: Do it. You dont need your Moms permission, like literally you dont. Be your own person. 