I have an 825+ credit score because my mother and I went to get me a credit card when I turned 18. I only used it for ordering used college textbooks on Amazon. Then paid it off at the end of every month. It probably only had a $1,000 max at the start (they increased it as the years went by).

Still, when I bought my house 10 years later my credit was amazing. This only works if you pay it off every freaking month! You’re not treating it like credit. Not really. If you don’t have the money in your debit account to cover what you’re going to put on your cc you don’t buy it. Never.