credit, how does it work Options

[Toyoca]

I just got an amex credit card. im new to having my own credit card. always went through my parents card (but it had my name on it w/e that means). i just got it cause i wanted to start building my credit. i dont completely know what that entails but i got one anyway lol. i basically just figured to get a car or house in the future i need credit so ppl will approve me. so is credit just using your card and paying bills on time? and if you do, you get a good credit score? is that basically it.

btw i got credit $2000. that sounds like a large amount to me given that i dont have that much a month lol. esp since i dont work right now. but sounds good to me lol. i just found it interesting cause my friends all started out with around 500 and i clearly didnt lol.

[BlackCelicaGT94]

So I have a credit question onw

My parents have gotten credit cards then they make me a co-card holder. If theyre not paying the bill does that make my credit score go down? lol im not sure if they pay the bills or not cuz its not my account but im curious if having my name on the account goes towards my score.

Thanks