Assuming that you are buying gas, get a gas card too. Some offer discounts like SHELL offers a 5% rebate on gas with their card. Use the cards at least once a month and pay the bill off each month.
Using credit will raise your score over time.
Just realize that a debit card does absolutely nothing for your credit score.
You will get a loan, that’s not the point.
You want to try and get a great loan.
Guidleines are constantly changing. A 680+ mid-score will get you a better loan than a 679 mid-score today.
A 90% loan is a better rate than a 91% loan.
