<prompt> Human: Right now I work at hhgregg and I make 1,200 minimum but I usually make more then that and the only bills I pay is my car and phone which comes out to 380 a month, gas is 200 a month and the rest of the money is mine to spend but Im terrible with saving. I just got paid today and paid all my bills and filled up my car and have about 350 left. I was thinking, should I get a credit card so I start my credit ?I have no credit right nowOr should I just put 150 into my savings account and keep adding to that and get a credit card later? EDIT: I would only use my card for small purchases I know. I can pay back.EDIT: as a E-1 you make 1,500 a month Assistant: Dont get married or buy a car until you make chief. Until you make chief, ask the chief. Human: Why until chief ?  <response>: Because you have lots and lots of maturing before you. 