<prompt> Human: I am 21, have no credit history, and just got approved for a Discover It card. It seemed to be the best rated card out there for someone in my shoes. I have a good salary plus commission but dont want to put all my purchases on my card. What tips would you give me to help me build my credit and stay safe with my card?  <response>: Always pay the entire statement balance in full, and treat your credit card as if it were cash. So if you cant afford to pay for something at the end of the month, do not charge it on a credit card. 