<prompt> Human: Im 23, and dont have a lick of credit. I thought credit was just used on big items like a house or a new car. I was raised by my grandfather how said If you cant afford it dont buy it. Everything I have bought I have bought in full, So I was trying to buy land today for a house. and I was going to put 50 down on it. Finance the restto build credit. Little did I know since I have no credit history at all the bank wont even talk to me. Any ideas on what or how to do it. I am complete dumbfounded on credit cardsnot APRS or anything but where to start, I dont know a good starting card from a bad one all these interest rates of 24? My grandfather said its legal loansharking. But I make good money working a full-time job and playing in stocks. I have roughly 800m to make towards a payment. Should I start with a small loan? credit card? any help would greatly appreciated.Thanks, An old soul living in a new world.  <response>: Interest rates shouldnt matter if you heed your grandfathers advise. Capital One Quicksilver is a good starting card. Youll probably start with a 300 credit limit. Buy things on the credit card that you know you can pay for when your statement comes through. Buy a 5 lunch? Make sure you have 5 in your checking around ready to pay for it when your monthly bill comes in. Thats all there is to a credit card. Buy stuff Pay balance off by due date Rinserepeat. 