<prompt> Human: Financial newbie who just got done paying off student loans here.I Opened a credit card for the sole purpose of improving credit score, plan on stopping use once my credit improves. Im considering taking out a secured loan for the sole purpose of getting there faster.What about paying back a loan has the biggest effect on credit e.g is it frequency of payments, total loan amount, loan duration or something else? Thanks in advance :  <response>: A credit card alone will just be fine. Credit score isnt worth throwing away money in interest, which is what youd be doing with a loan. The biggest contributor to your credit score is sorry length of credit history, so you need to just buckle down, get a credit card, use it, and pay it off each month.That being said, theres nothing to be worried about really, credit cards are a great tool and as long as you pay it off in full every month you will build your credit score over a couple of years and everything will be fine. 