<prompt> Human: Basically, I could have bought my car outright, but I have no credit and would like to build so I decided to listen to others advice and take out a loan for it. I am now three months in making payments. Interest rate is 3.67. Some advised me to make payments for at least a year to build up good enough credit. Also, I have a credit card that I put less than 20 revolving utilization a month on, and never miss payments.  <response>: Never pay interest to build credit. Pay off the car loan now. 