<prompt> Human: Hey everyone! Im trying to gain some credit for if I need to get a future car or home or even in emergency. I have never had a credit card I currently have a job making 1200 every two weeks after taxes. I am looking for the best practical way to get credit. I know my rates will be higher at first. Should I get a credit card or try a loan? Last time I tried to get a personal loan my bank wouldnt loan me 1000 dollars to try to get credit. I just want to try to start credit and build it up. Ive been told tons of different things and dont know whats right or wrong. Thanks!  <response>: I know everyone is fixated on raising their credit score, but in my opinion, having cash on hand is much more valuable. If your car engine goes out, would you rather have 2,000 in savings reDuly available, or access to 2,000 in credit to borrow? That being said, yes, a good credit score can be valuable as well, and save you money on loans, insurance, etc. Just make saving a priority. Good luck. 