<prompt> Human: I just moved into my own apartment roughly three weeks ago and am trying to make smart financial decisions for my future. My new roommate was telling me about how he put his rent due and only his rent on his credit card, letting him build up his credit history without sinking into debt. I did a little research with how my apartment does payments, and see that if a payment is done with a Debit card or bank, then I have a service charge of 4.95; however, if a Credit card were attached instead, then I am charged with a 2.95 fee.x200B;My housing costs are 750 a month including WGES and Internet and is covered by a 529 plan I dont know if that matters or notIm basically given three options: Pay 11 months rest of the lease length of rent up front now and only be charged a one time 4.95 fee.Pay month by month on my debit card and pay the 4.95 fee each month.Pay month by month with credit card at a 2.95 fee.x200B;My guess is that the smart thing to do is put my rent on the credit card, along with my car insurance just to build up credit and use my debit card for everything else, but is the extra 2.95 too much? My biggest concern is budgeting 4 years from now when Im not sure how much will be remaining on my 529 student plan.  <response>: A 2.9 fee is not worth it. 