<prompt> Human: In college. I just have 1 credit card. A DiscoverCard I got when I started school. I didnt even use it for like 6 months, but Ive been making small purchases with it every month and paying them in full for about 18 months, just for the purpose of building credit. I wasnt gettingreading statement and was just following my online account, but I just opened a PDF statement saying that my FICO score is 806. It took a tiny hit down to 790 because I had a recurring payment on a bank account I dont use any more that overdrew it for a couple days, but I sorted that out.So heres the question. How seriously should I take that? I saw that number and was excited, but should I take it seriously? I figure that with such limited credit history it is probably super volatile. Thats really my only credit history. Every carmotorcycle Ive ever bought has been cash.And following that, what else should I do to keep building credit and keeping this train rolling? Should I open up a couple more credit cards that I can throw a few bucks a month on? Ive heard that 3 healthy lines of credit is the suggestion for when it comes time to start looking for real lines of credit in terms of car loans and mortgages.  <response>: The reason you build credit is so that when you need credit, you can be offered the best possible terms. It is often more economical to buy a home with mortgage, and a good credit can help with that.Apply for credit card for the rewards, not for credit. Good credit comes naturally with good financial discipline. 