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You're putting yourself in a great financial spot for not having to rely on
any kind of credit um... but again that may not work for you as far as a credit
report is concerned. You need to have a credit card or two in your name to show
that you're using credit and that you're using it wisely. So, it's great to put charges on
there, pay them off at the end of the month, or just carry over some kind of small
balance from month to month. It's very manageable, and that's gonna help to build up
that credit score.