<prompt> Human: Im a 20 year old college student who just moved into my first apartment. In my own judgment of myself I am not mature or responsible enough to have a credit card so I wont get one. That being said, are there other ways to build credit, such as paying rent, bills, etc on time?  <response>: Generally, without a credit card you will not build credit. You could take out a loan with a bank, but you may not can do that until you build credit with a secured card. Just get a credit, put your Netflix bill on it, set to autopay, and put the card in a folder and never use it . 