<prompt> Human: I truly just dont know when I should start building my credit. I have around 10,000 in the bank but I definitely want to start getting my credit score where it needs to be. Thank you  <response>: Whenever you feel you are disciplined enough to not spend more money than you have budgeted. Using a credit card more isnt necessary to build up your credit, as long as you have one and use it at all. The sooner you get one, the better your AAoA will be 