<prompt> Human: Hey FinanceIve recently opened a store credit card with Victoria Secret. Im a young college student with one debit card and this is my first time testing credit and building credit, i chose victoria secret because i only go there a few times a year for necessities, when i walk in i have no desire to buy a million pink sweatshirts or bags, i just get what i came for. I know that these store cards have shit interest rates too but i trust myself bc ive been responsible in the past for making utility payments and setting money aside for groceries and such. I just have a few questions about what im getting myself into that i havent been able to find in the info they gave me:Ive heard people say that if you dont use a credit card it hurts your score, is this true? Like i said, i dont go to the store often, maybe 3 or 4 times a year i go in and make purchases. Even if i pay on time everytime, will not using any more often than this effect my score? How much does a store credit card influence your credit score? Like i said, i dont have any kind of credit parents co signed apartment if ur wondering about utilities, so i dont have a renters score either if i use this card responsibly and properly until i have a career and open a regular credit card, can i expect to actually build some decent credit? ThanksAssistant: Store cards are bullshit. Dont get one unless theres some kind of discountcash back promotion, worth at least 100.Get a real credit card from a bank, put your Netflix on it, set up autopay, and sockdrawer the bitch. Thats how you build credit the easy way. In a couple years you can move up to credit cards with reward points and cash back and such.Your credit goes down when you apply for the card because of the hard pull and reduced average age of accounts. You need to use it to bring your score back up. The amount of money you spend does not matter as long as youre making a payment every month. Having a balance of more than 30 of your limit also hurts your score.Human: Ive already opened it made a purchase and paid it back my score is already down by opening it did i ruin my life  <response>: No. It will start going up. 6 months from now your score will be much higher than at start. 