Human: I've heard a lot about the benefits of using a credit card to make purchases. But I'm worried about my credit score. Assistant: 
It's true that having a good credit score can be beneficial when applying for loans or mortgages, as well as other financial services. However, it is important to remember that your credit score is not the only factor lenders use when evaluating loan applications. They also consider your income and employment history, as well as any debts you may have, such as student loans or car loans. Having a high credit score does not necessarily mean you will get approved for a loan, but it can help.