<prompt> Human: I am 19, about to be 20, and a lot of the agreed upon advice online is to get a credit card and start using it regularly to cultivate a good credit score as well as raising credit limits. I have a checking account with a local bank, but have little to no experience with credit cards. I could really use some advice as to which bank I should go to, what type of rewardspoints etc. are best. thanks so much.  <response>: Im not a professional but as a 20 year old with a credit card for 2 years I can give some pointers.1. never owe more than whats in your checking account and pay it completely off every month. Otherwise interest will at least 25 and most likely over 302. Use your card for bills if you can without having to pay a extra processing free. This is how you get lots of rewards and cash back.3. Try and get a cash back card, milesrewards never seemed worth it to me. 4. MOST IMPORTANT!! Do not trust any major credit card company! They are trying to make a profit so watch them like a hawk at all times.For choosing a bankcompany do a google search of credit card offers and there are comparison websites that compare rates and services. 