<prompt> Human: Im 20 and dont currently have any debt. Im planning to buy a car within the next year in the 3-5k range and I was planning to pay cash, but Im worried about having insufficient credit history when I eventually try and rent an apartment without a co-signer.Ive had a Discover card with a 200 line of credit for about a year now. I pay it off in full every months, so my credit score is 746.Would a loan be worth the interest? Thanks all.  <response>: No, I think your credit score is high enough that you could get an unsecured card now with a higher limit. By the time you need to rent an apartment your credit score should be high enough that you will have nothing to worry about. 