<prompt> Human: Im pretty sure this is wrong, but this guest on the news mentioned charging things helps build credit because you got to use it, just to have it doesnt mean youre going to build it.Is there any truth to this? Aside from maybe going from a 0 credit utilization to a 1-10, but thats minor and doesnt apply to most people who have a credit card. Id like to let the news station know that maybe having this guy on again is a bad idea.  <response>: The most important factor in ones credit score is a history of on time payments. If you dont have any on time payments to record, it does affect your score.However, you should not be going out and spending money on your credit card even if you use it properly, ie paying it off in full, every month, no exceptions for things you werent going to buy otherwise just so you can have a payment to record. 