<prompt> Human: The short of it is I went to Bank of the West to take out some money, and the lady asked if I wanted to build credit by getting a credit card. I decided why not and allowed a deposit of 300.Ive never needed a credit card and I dont have any debts because I have plenty of money in my savings and I only spend 50-250 a month unless I have to buy books for college.It has approximately a 21 APR which scaresconfuses me and a 25 annual fee.Anything online about credit cards is just scaring me and talking about paying off your balance, Questions:1 If I dont ever use it, I most likely will only pay 25 annually correct?2 If I dont use it, should I just cancel it3 I am considering using it for gas and small buys. Will this credit card make me pay more?4 Can I even USE this account? I remember the lady saying the money would be locked or something  <response>: They will not be automatically taking the money from your account to pay it off unless you set up autopay to do so which you should be able to do from your online account center. To build credit, just use it for a couple small things every month and pay the statement balance off in full every month and youll be good to go.The 25 annual fee isnt terrible. Its not great, but its not the worst.If you dont use it, itll be 25year -- BUT a lot of cards get closed due to inactivity so youd have to use it every now and then to make sure it stays open. If you dont want it, you can cancel it and get your money back from the security deposit. 