<prompt> Human: I owe taxes this year because I was a 1099 employee for some months3500 in the bank with a debit card. 12hr job at 40 hours per week. No debt except for the 1700 for IRS. Single. No kids. I am completely new to credit, and am just now realizing how important credit is in this country.Is this a good opportunity to apply for a credit card, and pay the IRS so I can start making payments to a CC company? Or, am I better off paying the IRS off completely at once, and getting a credit card with a much lower credit line and starting small?Or, lastly, am I going about this the complete wrong way? I will admit I am a bit lost with the credit cardcredit score game.Thank you PF!  <response>: If you have 3500 in the bank why dont you just pay it. 