<prompt> Human: I have no credit right now so I cant even get a Credit card or anything to build credit. I just bought a car and got a loan on it. If I save up I can probably pay it off within a year. My banker swears that things only look good on your credit if you keep paying on them for a while and just borrowing the money then paying it off quickly wont look nearly as good. But for the loan I would pay something like 1300 dollars in interest over the 5 years. I dont care enough about my credit to pay 1300 dollars for it. Should I? Is it better to just pay the car payment off ASAP and build credit with a Credit Card that I auto pay off every month instead?  <response>: I dont care enough about my credit to pay 1300 dollars for it.A good mindset. You dont need to pay interest to build credit. 