<prompt> Human: Ok, so I turned 18 somewhat recently, and work part time. I want a credit card to build credit, as well as making it easier to travel occasionally. Where would I start? Obviously I have no credit, so would I need a secured card? Any help would be great.  <response>: This is one thing I thank my mom for telling me to do back when I was 18. She helped me find a card that had no annual fee and it started with a max of 400. She told me to buy like a shirt or something small each month and make sure and pay it off every month. It helped me to this day to never carry a balance on a credit card. 