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  • Howdy Michelle. What's up?
  • I'm hoping to get a new car, but I don't know if I have good enough credit.
  • Well, by paying off your credit card bill on time and in full every month, you can build your credit score.
  • This way, you can avoid paying interest, and only spend what you can afford.
  • You should also examine your credit card statement so that you check for fraud and keep track of your spending.
  • Your credit score will affect many things such as interest on your mortgage, loans, and even your employment so it's always a good idea to build credit.
  • Wow thanks for that extremely helpful and natural sounding conversation, Connie. How can I ever repay you?
  • What's your credit card number?
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