<prompt> Human: Whowhat hasis the best credit card for someone who doesnt make much money or spend much?Assistant: NerdWallet is a great resource for finding the right credit card for you. Your first card likely wont have a very high credit limit, but thats fine. The most important thing is to pay off your statement balance every month. I recommend putting the card on autopay so it will come out of your bank account every month. Thats pretty much it. Buy what you would have bought normally with your debit card or whatever, dont adjust your spending habits just because you have a credit card. Thats what gets you into trouble.Human: Thanks! I was looking at the Bank Of America secured card. They are already my bank, but the deposit is 300 bucks, which is kinda heavy for me while Im still in college. Also, I was looking at the Capital One card. The deposit buy-in is much lower. What is your opinion on either card, if you have any?  <response>: You have to pay for credit card? I didnt pay for my discovered card. Got it since I started college because my parents wanted me to build my credit and discover student I think thats what its called requires no credit history and it gives you 500 limit. Ive been using it for several years now and even though I was making minimum payment for half a year straight at one point bad financial book keeping on my part I still have close to 750 credit score now. I definitely would recommend this card to start out and once you have enough credit, you can apply for other card with more perks. Edit: also its free to use. They mainly make money off the interest when you every month and off your swipe. Im using it as the replacment for my debit card because it offer better protection and make full payment every month. Basically, if I have 300 to spend in my bank, I only spend maximum 300 on the card. Its a good practice so youll only spend what you have and still get all the credit card perks. 