<prompt> Human: So Ive recently been rejected for several apartments due to my credit. One of the reports shows my credit score to be 669. I just graduated college, and I make 67k a year and have 40k in student loans. Ive never had a credit card, and I know very little about credit cards. I would like to act now so that when I buy a car in 0-2 years and a house in 4-8 years I can get a decent deal. Thanks!  <response>: This is a friendly reminder to visit our Wiki on Credit Cards. Also, please visit our FAQ!I am a botrAutoModeratorcommentsq11puwhat_is_automoderator, and this action was performed automatically. Please contact the moderators of this subredditmessagecompose?to2Fr2Fpersonalfinance if you have any questions or concerns. 