<prompt> Human: I apologize if I should have found this in the wiki or something. I turn 21 this weekend. I go to a private university on a full scholarship and expect to graduate December 2016. I work during school breaks as an IT intern and use this money to pay for all my expenses in school, which are usually about 100 per week. I drive an old truck that is paid for, but I would like to purchase a newer, safer, more reliable car in the near future not to mention that I should save over 1000 per year in gas. I have no credit right now. I have 2000 in savings and enough in checking to easily make it until I start back in my intern position. What should I do about saving and building credit? I am not a natural spender and am rather frugal, but credit cards terrify me. I want to be able to have a responsible, financially stable adult life when I graduate. Assistant: honestly man, there is no reason to be afraid of credit cards. Go to your bank. Get a credit card. Use it instead of your debit card while treating it just like a debit card and pay your balance off in full every month. Do that forever and bam perfect credit. Human: I bank with a small community bank. I do not think they offer credit cards. Any suggestions?  <response>: I personally like the Capital One Journey the most. The reason you want the student card is because they generally wont charge you fees like they would on a secured card, which is what theyd issue most people with no credit. 