Hi @ahmedz – a credit card can have a useful place in a consumer’s financial toolbox! It sounds like you are in a “credit building” phase of your life. If that’s the case, I think you’re on the right track: paying off the balance in full and on-time will help build your score. One more piece of advice: I recommend using no more than 25% of the credit limit.
If your credit limit isn’t very high, consider using that credit card to pay one small bill each month (such as a streaming service that you already pay for) and then setting up an automatic payment to pay off the balance of your credit card in full every month.