<prompt> Human: Im currently 21 and living with my parents and I have no credit rating, Ive never taken out a loan and was made to fear credit cards Ive only ever used debit cards. Never even occurred to me until a friend of mine who also never took out a loan or used a credit card was denied a loan because they had no credit rating.So for a beginner, what is a safe way to build a credit rating, by safe I mean unlikely to put me into debt that Ill have trouble getting out of. Sorry if this is the wrong subreddit  <response>: Read this: tl;dr: Get a credit card, put some charges on it, pay the entire statement balance by the due date each month. 