<prompt> Human: I logged into my online account and was greeted this this offer My credit score is roughly 800 to 810, so I dont need to build credit. Is there any reason to do this? Ive never missed a rent payment in my life. Seems like the upside would be somewhat limited, but if something unpredictable happened, then Id be stressing about both my housing and my credit score.Thoughts?  <response>: No, dont let them touch your score at 800-810, why mess with a good thing. If you want to build more credit go through the right paths that actually offer something in return such as credit cards. 