<prompt> Human: I am working on boosting my credit score. I have a loan out for my car. I am making my payments on time which has brought my score up quite a bit! Unfortunately that is the only thing I have going towards my score 668 I think. Would it be worth seeing if I can get a credit card perhaps for gas and other small things? If so, what credit card would you recommend? Discover it cash back match is 0 for 14 month then. 11-23 after that. Plus cash back matchrewards for qualified purchases. Is that a good deal? We hope to someday be able to buy a house, but between my hubby and my own credit score.. Well we basically got laughed out of the credit unions we applied. Clearly, we need to work on this!Assistant: Getting a credit card is an excellent way to raise your credit score.Being concerned with interest rates is a terrible way to raise your credit score. You should have zero concern for what the APR is, because in order to use a credit card properly, responsibly, and for the greatest credit score possible, you need to pay your statement balance in full, every month, therefore avoid any and all interest charges. If you are able to responsibly own a credit card in the manner just described, and avoid any negative marks elsewhere, your credit will go up, up up. Human: See this is the info people dont tell me when I ask about credit cards! Its all interest rates. Basically the way they have been described to me is your paying back way more than your actual purchase. No one ever said if its paid on time theres no interest.Thank you!  <response>: Its a really easy trap to fall into. Heres how the story usually goes: youll get your card, put a few things on it, and somehow you have bought and outright own those items yet your money is still in your bank account. After 30 days, youll get a statement and so conveniently next to your full balance is a box that says minimum payment due, with a number so incredibly small youll justify it to yourself to pay just that amount, and your cash will sit in your bank account making some interest in the meantime. So you continue making purchases, and next month, your minimum payment due will be a little bit more, but still not that much. You have some big expenses coming up like a vacation youve always been wanting to take, so you only pay the minimum once more, promising yourself that next month youll catch up. Its now been a year. Perhaps youve occasionally paid more than the minimum, but frequently you havent. After all, you can always pay it back later. And all of a sudden, you try to use your card but its declined. You look online, and see youve reached your credit limit, and cant put anything more on it. Your statement comes in the mail, and the minimum payment is now a few hundred dollars, on a balance of thousands. You cant pay it all off! So youll just pay the minimum, and promise that you wont charge as much on it, and next month youll pay down a bit more. This is how people get in black holes of credit card debt that you read about so often. As soon as you pay anything but the full amount, interest starts piling on, and if you skip one month you start digging your own credit card grave. 13 of all Americans use their credit cars in the manner I just described. The other two thirds pay off their statements in full every month, and never pay a penny of interest to the bank. I want you to strive to be in this 23 demographic. 