I got my first credit card through my bank when I opened my checking and savings accounts. It wasn't a very good one, had about a $500 limit, high apr, and an annual fee. But I used it for pretty much EVERYTHING, paying it off on time and in full every month. I was 18 and living with my folks at the time, so spending was low anyways. After a while I started getting credit card offers in the mail, as i'm sure we all do, and signed myself up for a decent capital one card (great bank btw). I think it started with a $1500 limit, apr never really mattered to me because I keep it payed off. Using that card the same way for years and hanging on to the old one, just to show an older credit line and higher available limit, I've been able to buy a house with my sister and a car on my own. In fact, when I bought the car they told me my credit score was 841! Not too shabby for a 25 year old, if I do say so myself.
So yes, I recommend getting yourself a credit card. Don't expect a good one right away, but remember that they'll raise your available credit as your score goes up, and apr means very little when you keep the card payed off...In full...Every month.
I also like carrying them because they're more secure than cash. Should the occasion arise where I get mugged or drop my wallet or something "Oh no! I'm down $5 cash and need to make a couple phone calls" lol
I hope that helps
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