<prompt> Human: I have never had one. Always managed to get with a bank assigned debit credit card. I have no idea which one to select and my credit is excellent.  <response>: Always managed to get with a bank assigned debit credit card.A debit card is not a credit card. They are very different. and my credit is excellent.How do you know this? Have you checked your credit report? If youve never had a credit card, you likely dont have any credit history unless you have other loans. 