<prompt> Human: Hi guys, the title says it all really. Will move to the USA in NovemberDecember and wanted to buy a car and get a credit card.In Australia, I had mortgage and credit cards for a long time, but based on what I read, it seems to be non-transferrable to the USA.Ive tried to search for other posts in this subreddit, but dont think there are ones with my situation.Will my high income plus my perceived stability of working for Tech Titan allow me to jump start my credit score, so to speak?Would you have any advice for me settling in California?Thanks a lot in advance, please ask to clarify if you need more information.  <response>: Do you really need a car loan if youre taking home 25KMo? You could easily put half that into a used car and get something nice and reliable, and not pay interest. If you need to build credit, get a credit card and pay it off every month. 