<prompt> Human: I turned 22 two weeks ago, graduated from college last May, and have never opened any line of credit nor applied for any credit card in my life and am now weighing my options. I have a job in which I am paid by the hour making 17 per and work 40 hours a week with, and owe 40,000 in student loans that my parents who are very well off are helping me pay for my first few years out of school and plan on living at home to save money on rent and food until at least May. Any advice on certain cards, APR s, etc that I should put more weight into when considering a card? Should I wait? EDIT: My primary goal is to build credit for long term goals such as down payment on a car or house.  <response>: Try this thread for a primer. Be sure to check out our FAQ as well.PSA: Always pay your statement balance in full every month. Only use credit for planned expenses. 