<prompt> Human: I am lucky enough to live with my parents as I get my feet on the ground. I work for a non profit, so even though I am not getting paid much, the absence of most living expenses increases my income. I am not starting from the bottom of the credit game, all my apartment leases during college were in my name, and I paid a car note in full. However, I am completely out of money as I begin my new job. Should I wait until I have a little money to my name to apply for a credit card?  <response>: All that credit cards ask for is your current income, not savings or income minus expenses. Id say go ahead and apply. Be sure to pay off your card every month, and get a card with no annual fee and a rewards program. Dont go for the fanciest card. Something marketed to students or something basic like the Chase Freedom card would be good. If for some reason you get denied, you can apply for a secured credit card, which involves putting a deposit down. Itll still help build your credit. Then in a year or so you can apply for a real credit card. 