<prompt> Human: Hi reddit fam. I just graduated college and got a credit card, so I need some advice on how to be financially wiseful when using it as I have no credit score. What are the things I should pay for using it? What are things I should not use a credit card to pay for?  <response>: Buy stuff you would have otherwise bought anyway with cash. In other words, do not spend more on your card than what you have in the bank. At any given time, subtract your credit card balance from your bank account balance to determine your actual bank account balance. Get the statement each month PAY IN FULL every month no exceptions. NOT the minimum payment, the entire statement balance. 