<prompt> Human: I started building my credit by financing a truck that my dad co signed with me on. Then I got my first credit card to help pay for books since my scholarship just covers tuition. Ive used the credit card for gas, emergencies, and Doctor copays or prescriptions if need be and purchased a gun on it as well. I currently have 1200 on it and I make my payments every week of about 100 because it really bothers me when I have a lot on it. But I like to run it up not to its max because Ive seen that when I run it up and pay it off 100 a week my credit scores goes up big time. Am I doing this wrong? And does my truck payment factor in to the credit score the credit card app on my phone tells me? I dont know why but my gut is telling something doesnt feel right. I guess its bc Im not used to having a credit card. Please help and know this isnt me bragging about myself. Also I would ask my father but he is not the greatest guy with money.  <response>: Yes. To both. Thats a good credit score, and you are doing it wrong. Your credit score doesnt go up just because you charge more. You want to avoid interest; that hurts you more than your credit score helps you. 