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John_Maxwell_IV comments on I attempted the AI Box Experiment again! (And won - Twice!) - Less Wrong Discussion
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Good to hear. I recommend applying for a credit card and using it responsibly as soon as it's an option for you. I'm 22 now, and my credit rating is somehow comparable to that of a 27-year-old Less Wronger friend of mine as a result of doing this a few years ago.
(Of course, don't apply if you aren't going to use it responsibly...)