What one bit of financial advice do you wish you could've given yourself five years ago?
I was offered a student credit card and refused it. If I'd taken it and used it sparingly, paying off the balance on time in full every month, I'd have built up a better credit rating in the time period.
Below is an instruction that describes a task. Write a response that appropriately completes the request.

### Instruction:
What one bit of financial advice do you wish you could've given yourself five years ago?

### Response:
I was offered a student credit card and refused it. If I'd taken it and used it sparingly, paying off the balance on time in full every month, I'd have built up a better credit rating in the time period.