<prompt> Human: I just acquired a credit card less than a month ago and Im beginning my journey of obtaining credit. I understand that you can pay off the credit card immediately after a purchase by simply transferring the money from your checking account to the visa balance. Even before the due date at the start of the month. My question is really, how long does it take to acquire a credit score? Is it from how many months you are using the card or does paying it off faster increase your score and eventually your limit at a better rate? If its the latter, wouldnt it be possible to withdraw from an ATM using the credit card, pay it immediately off by transferring the money, then depositing the money back into your checking? Thus you wouldnt lose any money but you gain good credit? If you have any tips and tricks when using credit cards let me know. Right now Im just making a habit of paying off expenses immediately.Thanks!  <response>: 6 months of having credit to generate a score. Your statement should cut with a balance -- paying off every purchase immediately prevents that from happening. Note that having a statement balance does NOT mean paying interest.ATM withdrawals are cash advances and begin to accrue interest immediately. Frequently paying does not help your score.Always pay your statement balance in full. 