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WebBuilding a good credit score is important because it can affect your ability to borrow money or access products such as credit cards or loans. You can check your score for free and … WebThose with the lowest credit scores received average terms of nearly 10 more months. Plus, the average monthly new car payment was $544 for those with the lowest scores, compared with $517 for those with the highest scores. That means having a low credit score would add more than $6,500 to the cost of financing a new car. 2. WebCapital One is great for your first credit card as long as your paying the debt amount back every month, I got mine nearly a year ago and my credit score and overall credit history is looking good. Just be sensible with your credit card use it as a debit card, spend what you can and remember you HAVE to pay it back! FullmetalGB • 14 min. ago. internet shutdown 2022