<prompt> Human: Sorry if this is a popular topic, but I havent been able to find an answer after searching for a bit.My car broke down today so I went to my works credit union to sign up and see if I would qualify for their 2.9 APR for used car loans. It turns out that because I have never been in debt or owned a credit card, I cant qualify because they need SOME credit history.I have a stable income for a college student and am thinking of signing up for a reputable credit card to buy all my gas with it. Anybody have an idea of how long it would take my establish a credit score over 550 or any better ideas in general?EDIT: Found a pretty decent answer in the FAQ  <response>: Well, sounds like your top priority needs to be getting an emergency fund together so you wont be stuck! 