use your fiat point card often, in order to get a good score from authority. Then you will be able to be selected for a printer insured loan!
Give to the system you love.
Discussion
Thats not how your credit score works lol. Your fico scores goes up if you keep your credit utilization under 30%. So idea you dont want to use it. You can technically just use a credit card on a single $1 purchase. Pay off the debt a day later. You can have a credit card with a $300 limit and have a 820 score.
Your score goes down if you dont pay back on time or not at all as it should. You wouldn't want to let your shitty friend who never pays his debts borrow your life savings.