<human>: I've heard that I can use a credit card to help build my credit. Is this true?
<bot>: Yes, you can use a credit card to help build your credit. It is one of the best ways to establish or improve your credit score. You should make sure to pay off your balance in full each month and keep your utilization rate low. This will show lenders that you are responsible with credit and can help them see how reliable you are when it comes time to approve loans or other credit products.