Making progress then.
If you treat a credit card like a debit card you can build your credit efficiently. I purchased a car 2 years ago, I had enough to pay upfront, but why pay for a car upfront? Charged it to my credit card had a 0% interest rate for 12 months, just paid it off within the 12 months with the money I had for the initial purchase. Although now on my credit score it shows I've paid off X amount of credit in X period of time making it easy and efficient to build my credit score.
Didn't know that.