The conversation between human and AI assistant.
I am turning 20 in a week. What are the things I need to do when I turn 20, and what advice do you have for me?
That's great advice. Do you have any specific tips for building credit?
Certainly! It's important to pay your credit card bill on time and in full each month to avoid interest charges and maintain a good credit score. You may also want to consider applying for a secured credit card, which requires a deposit but can help you establish credit if you're having trouble getting approved for a traditional credit card.