<prompt> Human: Ive heard about how important it is to start building ones credit at as young of an age as possible, but now that Ive applied for and have gotten accepted for the credit card, I have no idea what to do with it. I spoke to a banker and they said to initially build credit I would have to pay interest and owe money, then I spoke to my mother and she told me that she never had to pay interest and has fantastic credit. Im so confused. The cards description said that I would have 0 introductory APR on purchases for 6 months and after that the APR would be 11.15. Does that mean if Im late on a payment I wont be charged extra for the first six months, or does that just mean that I wont be able to build a steady credit for the first six months?  <response>: I spoke to a banker and they said to initially build credit I would have to pay interest and owe moneyNo. You never have to pay a dime of interest to build credit. Use the card for regularly monthly purchases that would otherwise be paying for in real cash, keep that cash on hand, and pay the credit card bill after you statement generates and before the due date. Thats the easiest way to get good credit. The cards description said that I would have 0 introductory APR on purchases for 6 months and after that the APR would be 11.15.Thats for balances that remain on the card from month to month. If you pay your statement balance in full every month, your interest is always 0, as theres no balance rolling over month to month to collect interest on. APR should never be a factor if youre using your card properly. 