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So I'm 18 with a 740+ credit score. So here's 5 things I did to have great credit and how you can do the same. The first thing is, you cannot build your credit score without a credit card, obviously. So the day I turned 18, I took myself to Chase Bank and applied for the Chase Freedom Rise card and I got approved for it the next day. So the first step is, bro, get a credit card. And the second thing I did was, now that I had a credit card, bro, all of my purchases, every single day were put on that credit card. So swiping, swiping, swiping, swiping that credit card. I never used my debit card the day I got my credit card because it made no sense. So I have used all my purchases on my credit card. The third thing is, bro, if you do not have that money sitting in your checking account available to spend, bro, do not swipe that credit card. I promise you, you're gonna put yourself in debt knowing you cannot afford the thing you're about to purchase. Once you understand the basics of how your credit card works, you swipe it and pay it off. If you don't have that money in your account, you don't swipe it. You are going to get yourself a new credit card and that is what I did. I did get the AMEX Gold card after I think 7 months of having my credit card. I did upgrade to the AMEX Gold card, but you should be upgrading to a new credit card between the first 6 to 12 months of having your first card. Another tip is, bro, never pay your minimum balance. Always pay your card to zero every single month because if you don't, you will hurt your credit score. The minimum balance can be tempting because it'll say, like, pay $40, you'll be good for this month. Don't fall for it. Pay it in full every single month because if you don't, it will hurt your credit score. And the last thing I have for you guys, just rinse and repeating that cycle of swiping it, paying it off, using your credit card for your daily expenses and just remember, bro, open a new credit card every 6 to 12 months, try to, you know, with your old cards that you don't use anymore, still leave those cards open, do not close them off because it does look bad to credit card companies. If you guys have any questions in the comments, I'll be sure to respond to them. Peace.