<prompt> Human: My credit score is 710 which has been beneficial in in getting lower loan rates, ease of applying for loans, etc. I always pay my mortgage, auto loan, and school loan which has brought me the 700 score. But, in order to hit a 800 credit score, I may have to utilize credit cards to elevate the score further. So, question time: Is it worth messing with the devil...errr credit companies? Does having a 800 credit score bring better interest rates and other perks compared to a 710 credit score?EDIT: A more clearly defined credit score.  <response>: Yeah theres a negative stereotype to credit cards but as long as you dont carry a balance or pay an excessive annual fee, theyre a very positive thing.The difference between having a score of 760 and 720 is not trivial when it comes to things like a mortgage. The difference might be 0.25 or something but on a principle of several hundred thousand, thats a meaningful amount. On something like a car loan you will get a slightly lower rate but it wont make as much of an impact because the amount financed is hopefully smaller.This is just anecdotal but a coworker and I applied for the same credit card a while back. At the time my score was just under 750 and his was just over 800. My salary was 15 higher than his but the limit he was given on the card was 2x the limit I got. Im sure theres more involved in their algorithm than the numerical score but I was a bit surprised at how dramatically different our lines of credit were. 