I'm 18, and currently enjoying the assfucking that is the American credit system. I can't so much as pay for a damn phone without spending like $600 out of pocket. I also can't really get a credit card that would be any good because of my complete (seriously, my score is 0) lack of credit, so the best I can do is a checking account with a debit card.
So in an attempt to pay for things I like and potentially build up credit, I'm thinking of a monthly account. I have no idea if this'll even apply at all, as the way credit works isn't super clear to me, other than it's stupid for newcomers trying to do anything.