<prompt> Human: So I recently got a Citi Secured Mastercard. Placed 500 for the credit deposit; Im a college student.The banker told me that Id only have to use this card for 6 months, and then close it, and claimed I would have enough of a good credit history by then.My question is, how do I build up a good credit history and credit score?Is it about paying the bills on time? Minimum balance? The amount I spend?Facts of the card:Credit limit: 500APR 18.24Annual Fee 29  <response>: Dont listen to lukertin.Use your cards and pay them off in full every month on time. Every month. On time. Do not carry a balance, this will make you pay interest and will not help your credit score in any way.Seriously, just pay them off in full every month on time. 