<prompt> Human: Hi. 22 years old never owned a credit card or been in any kind of debt. Ive always used a debit card for everything, including school payments. Should I look into getting a credit card? If so, does one have a benefit over another?  <response>: Yes. Credit is increasingly important as you move thru life. What card you want depends on your goals. Since you have no credit I would recommend the Discover It Card They offer a secured option as well if you dont qualify for teh normal version. You get 1 cash back on everything and there are categories where you get 5 back. Thats the secured card I started with. 