<prompt> Human: Step one: Save up 500.00 dollars and go to any bank and get a secure credit card with one of your parents.Step two: After you get the card wait for a minimum of seven days before you use it; this gives the credit bureaus a chance to get you in the system to start a credit report on you. I would recommend that you use that time to review the requirements that you will be personally responsible for, like account maintenance also known as a service charge etc.... Of course keep track of all information given to you. Make sure you ask any questions if dont understand when you set-up this account; pay attention to your interests rate and when your billing cycle began and ends. I repeat dont for get to ask questions if you do not understand. After the seven days has past get a cash advance it dont have to be the maximum amount of the card; get whatever you are comfortable with.Their may be a service charge, but they usually give individuals one free cash advance every billing cycle. .Step Three: After you gotten the advance give it to me naw Im just playing LOL. Dont spend it use it pay off the bill before your billing cycle ends which is exactly thirty days after you make your first purchase or advance you do this so you would not incur interest for that cycle.Step four: Every thirty one days repeat step three just change the amount every time. Repeat this step for three quarters or nine months. Your credit score should shoot up anywhere from a hundred to a three hundred points. Of course this depends on the dollar amount you charge or the advance amount you get and how often you do this. If you want and if you have the financial resources you can do this multiple times in a billing cycle but this all depends on how comfortable you are with this process. Step five: After you achieved the score you want for the vehicle you wish to buy go to a used car dealership and have them to run a credit check of course they would love to lock you in a long drawn out payment plan but you will not need that. After your credit score comes back they will offer you a loan dont take it; use the knowledge of your score to your advantage do your research on the going rate of that car and what others are paying with the same credit score you have. If the interest rate isnt lower then the bank then use your card to pay the car. Remember this is all about getting the lowest rate possible so you can pay off your car faster. Now theres still a lot of information that I left out but this will get you going in the right direction. After three quarters the bank will send you another card offer with a higher line of credit and a lower rate take it and only use the second card to buy your car. Step Six: Now after you have gotten the card please make sure you have at least 700.00 hundred saved up so you could a huge portion of the principle off which will lower your payments. The banks normally give you a grace period to pay off the balance. The period varies some are ninety day and some are 120 days but that all depends on your pay history with them. Ill explain more to you when I get more time but this will definitely put you down the right path.  <response>: NEVER get cash advance from a credit card. Your friends advice is mostly incorrect and where its not its probably unnecessary. When you turn 18 get a credit card and put Netflix or your phone subscription on it. Pay it off in full every month before the due date so you never have to pay interest. 