<prompt> Human: Like the title says, I totally thought it was like a rewards card. Anyway, Im a college student, never had a credit card, and I dont want the credit card. What should I do to ot urt my credit score, and close the acct?  <response>: Doesnt Target give customers a 5 discount if they use a Target credit card?My vote is keep the card, only use it when shopping at Target, and pay off the statement balance every month.Youll build credit and get 5 off stuff youre buying anyways. 