<prompt> Human: Hello all,Ill try to make this as quick and clear as possible.Im a 23 year-old recent college graduate. I make decent money, not much credit history at all, but whats there is good. I have a checking and savings account, and an Amazon store card Best Buy rejected me where I can buy things, and I can take advantage of their financing plans if the purchase is over X, you have Y months to pay it off before we charge you interest for the Y months, etc.. I love this, its how Im building my credit, and because even though I have the ability pay for the widget all at once, its nicer to pay it off over a few months, and not get slammed with interest for those first Y months.My question is, is there a more general card not restriced to a company like Amazon so I can occasionally make larger purchases, and pay a lownon-existant interest rate for a certain amount of time and they can hit me hard after that time period? If Im gonna pay interest every month I may as well just use my debit card. Can you finance gurus tell me what you would do if you were in my situtation?I know this is long, and even if one person provides me some insight, Id consider it a success. Any help is greatly appreciated!Edit-First of all, thanks so much for the responses! The issue I have with the approach of just get a card and make sure you pay it off every month is that kinda defeats the purpose for me. Im building credit through Amazon and through utility bills, and a soon to be car payment, so Im looking for something that has a low or ideally, 0, for a short time period more than a month before I get hit with interest. Perhaps it was my mistake in thinking there was a general card like this, and those deals are just from big retailers. If Im making small purchases that I intend to pay off immediately, I may as well just use my debit card and not worry about it.  <response>: The best way to use a credit card is to pay it in full each month. You dont pay any interest at all. It usually works like this. Make purchases for the entire month up until the statement date. Then they send you a bill and it is due about 25 days later. Pay that in full by the due date and you dont have to pay any interest. Once you build up your credit, get a rewards card to earn money for making purchases.Also, check out Nerd Wallet for some help in finding the right card. 