<prompt> Human: I decided to buy a phone because there was one I wanted for my birthday. A credit score report I found said that because I hadnt had any other long term debt like a car payment my score was lower. So i figured why not finance it? Ive heard mixed things about how fast to pay this off. I can pay it off in 2 months easy or I can set up autopay and just forget about it for two years and build my credit. Which do you suggest?  <response>: Are you sure this will be reported to the credit agencies to build your credit? Phones Ive financed just get added to the phone bill and that will have no effect on your credit. 