<prompt> Human: BackstoryFinanced a car recently. Credit score is low 600s. Was told during the financing process that I was a ghost. only debt on history is small sub 5k student loan which is paid on time, Ive never had a CC because I figured I couldnt get into CC debt if I didnt have a CC Car salesman said he used to work in the credit industry and advised I get a credit card to build my score so I could get better interest rates and easier loan approvals ifwhen I buy a house.Car insurance agency offered me a CC stating that if I used it to pay my new car insurance that theyd reduce my payments 4mo. Annual fee is 35 so, to me, it sounded like I save 13yr if all I do is pay my insurance with the card. My plan is to set up automatic payments, stick the card in a drawer, and dont think about it outside of seeing it reported on Mint.com. This will put the card at a 8.2 monthly utilization, which I believe is good.QuestionIm thinking I should get a good CC for daily expenditures to help build my credit and, possibly, reap benefits from some sort of reward program. I understand that multiple inquiries into my credit over a short time can be detrimental. I also understand that due to my low credit score I probably wont be eligible for a great CC for a while so if I get a second CC, it may just be a stepping stone to a better one.How long should I wait until I try to get a second credit card? Assume Im watching both the calendar and my credit score.  <response>: The Car Insurance agency CC offer is awful. DO NOT SIGN UP. Any card with an annual fee that doesnt offer excellent cash back, travel rewards, andor premium services is a rip off.Given that your credit score is rather low I suggest getting a basic credit card, check out NerdWallet and filter for reward cards with a lower credit score threshold. Start off slowly to improve your credit score. Put utilities, Internet, Netflix, gas, groceries, or some other regular purchase on the card and set your card to autopay. After a year or so with perfect on-time payment and never carrying a balance you can sign up for more lucrative CCs. 