<prompt> Human: Ive never had loans or credit cards or anything an am looking to build credit and propose to my gf of 10 years. What options are available to me to assume that level of debt?Assistant: No. Building credit should be free.Use your credit card more and pay off the balance every month.Human: I dont have any credit cards, and the ones I qualify are the prepaid kiddy ones. I thought I could use this loan to build it.  <response>: Those still help to build your credit. Also, if you get a secured card, about 6 months down the road you can get approved for regular ones. 