<prompt> Human: About two weeks ago I had to have all 4 of my wisdom teeth removed. It cost 3,200 and I put it on a care credit card with a 5000 limit and a 6 month 0 interest promotion that I signed up for a week earlier. Im currently working part time as an apprentice in a hair salon making 8 while in cosmetology school, and there would be no way for me to pay it off myself, so I swallowed my pride and asked my grandparents for help. They were so understanding and generous that they gave me 4,000 to pay off the care credit card and keep me from stressing about money while in school. Now Im not sure if it would be better for my credit to pay off the care credit card immediately, make minimum payments every month, or pay it off in the 6 month promotion. Im 22 and I have a credit score of 700, but the only two lines of credit Ive had are my credit card Ive had for 3 years and the student loan I already paid. What is the best way for me to pay off this card and build my credit, and any other suggestions to build my credit would be appreciated! Also, I told my grandparents that I will be washing their cars, helping with their garden, and taking them out for dinner. My grandpa is getting free computer help and my grandma is getting free perms for life!  <response>: Read the fine print with CareCredit. They used to have a pre-payment penalty if you did not pay the minimum amount due or the balance in full.I dont know if they still do that though. 