I am very confused on how credit cards And credit scores work. I know that with a credit card you should stick to small purchases that you know you'll be able to pay off within a month. But why a month? Why does that effect your credit score? Can you put money on it or does it already come with a certain amount? What's the best way to build your score? What's the fastest but safest way to make it boom and look great? I know if you wanna buy a car, a house, apartment etc you need good credit scores. But why do they matter? How old do you have to be to get a credit card? Does insurance play a part in credit cards and credit scores?