<prompt> Human: Ive been slowly building credit since I was 18 25 now and after opening an AMEX charge card account without a limit, my rating jumped from 757 to 803 with three recent credit checks so I imagine it will rise again in 90 or so days.I was honestly surprised to hear that my score was so high, because I havent been actively pursuing this as a goal.So my question is, how can I leverage my score? I am currently renting, and will not be buying property or a car any time soon.  <response>: Theres no magic formula where you turn a high credit score into piles of cash, if thats what youre thinking. : You will benefit over time by getting better terms on loans, paying less for insurance, possibly getting preference in hiring practices, etc. The biggest benefit will be when you do decide to buy things like houses and cars, as they are expensive and the interest can cost a lot over time if you dont get a good rate. For example, if you have 25,000 saved up and want to buy a 25,000 car, you could always just pay cash, or you could finance it for a really low rate and put that 25,000 into something else that will earn you more money than the interest youd pay on the car loan. 