<prompt> Human: Im in my 30s, Ive never purchased anything that would build credit or had a credit card. But I am currently saving for a vehicle 15 years of transit is enough and know that my zero credit will be bad news. What is the safest, low risk, biggest payout way to build credit? Im very low income but hoping not for much longer...  <response>: Seriously man, its in the sidebar.For absolute fail-safe safest? get a credit card, any card without an annual fee, and then when it comes in the mail cut it in half. Or you could use it responsibly but that sounds like work. 