<prompt> Human: Well I just turned 18 and was wondering what I can do to build my credit.  <response>: Get a credit card use it to only pay things you buy anyways like gas and groceries. The day I turned 18 I got a credit card. I charge everything on it and never paid a penny in interest but have gotten literal thousands in rewards back. But the second you start carrying a balance, the 1 cash back is quickly negated by 20 interest rates. Its easy really. Dont spend more than you can afford. 