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A commonly asked question. Do you need a credit card to build credit? Yes, or no? Most people think credit is confusing, but it's really not. Your credit score is just a three-digit number that tells lenders how you manage borrowed money. Let’s start with the basics. What a credit score actually is! Credit is trust, your ability to borrow money now and pay back later. That's it! When a lender, a bank, or a company gives you credit, they are basically saying that they trust th