<prompt> Human: This is a bit embarrassing, but im 24 years old and just got my first credit card a few months ago. I have paid every single payment on time, completely perfect. I was so sure that I was doing everything right. So out of curiosity I wanted to see my credit score, so I searched around and opted to try out a trial of Fico since that seemed to be one that had a lot of good words about it.It said my credit score was 664. From what I have gathered that isnt horrible but isnt great, and im confused a bit how exactly scoring works. I never had a late payment and naively figured it would be higher than this. I was also confused that I didnt have to give a credit card number, only a my SSN. I have only ever had a debit card before getting my credit card. Does having a debit card also affect credit score? I have been in the negatives in my balance a few times in the past few years but always fixed it within a few days. Im just a bit confused how this whole report thing works and how I can go about raising it higher.  <response>: Raising your credit score takes time more than anything else. You dont start out with a perfect score that drops if you mess up, you start out with no score that increases as you do better. You only have one CC and not for very long so youll have a lower score because you dont have much credit. 