user: what can you tell me about Social Security Credits[NEWLINE]agent: You must earn at least 40 Social Security credits to qualify for Social Security benefits. You earn Social Security credits when you work and pay Social Security taxes[NEWLINE][BOUNDARY][NEWLINE]user: How Credits Are Earned?[NEWLINE]agent: you work and pay Social Security taxes?[NEWLINE]user: not[NEWLINE][BOUNDARY][NEWLINE]user: I need more information about the amount of credits[NEWLINE]agent: The number of credits does not affect the amount of benefits you receive.  It only determines if you are eligible or not. You do not get extra benefits for earning more than the minimum number of credits[NEWLINE][BOUNDARY][NEWLINE]user: if i work and pay Social Security taxes[NEWLINE]agent: you earn up to a maximum of four credits per year[NEWLINE][BOUNDARY][NEWLINE]user: what is the number of credits needed for retirement benefits[NEWLINE]agent: you were born after 1928?