<prompt> Human: For a little bit of context, I am currently 21, attending school 12hrssemester, working 32-40 hrsweek. As of right now, I have no credit a few days ago I signed a car loan, but that wont show up for 60-90 days.My sister, her bf, and I are aiming to move out very soon. My sister also has no credit, like me. Her boyfriend on the other hand, has a past eviction and owes money from it 6 years ago, he was young and dumb.Back to my ultimate point and question: should I get a credit card to diversify my credit and improve my score?I am wary towards loans, but especially credit cards, as I dont believe in spending money you dont have and credit cards are a very easily-slipped-on-slope. Does AMEX still have a charge-card option rather than credit cards?Thanks, guys!  <response>: Yes you should definitely have a credit card or two. Purchase something small on them each month and pay it off when the statement comes. AMEX still has charge cards but the cheapest one is about 100yr for the Green card. Id get a Capital One Quicksilver to start with. Capital One has student cards as well. Im sure other banks do too but Capital One is fairly easy to deal with and is pretty likely to approve you for a no annual fee card based on my experience and what Ive seenheard from others close to me. 