<prompt> Human: Now that I have a full-time job, I figured it would be a good time to start building up my credit, however, I have very little knowledge on the different types of credit cards and what benefits each offers and all that. Basically, Im completely in the dark about this kind of stuff. Any help would be appreciated!  <response>: Fixed interest rates and a low limit. Just because you think youre ready doesnt mean youll be responsible. Stay on the safe side because credit cards are a slippery slope 