<prompt> Human: Hi Personal Finance, I moved to the US for college 4 years ago. Im one of the few that is lucky enough to have their parents support them through college. This is important because Ive only used a debit card until now. But now Im becoming more financially independent i want more control over my financial future. But I dont have a credit score. Is it worth paying around 40-50 bucks a year for a BofA or citi bank card to start building a good credit historyThanks  <response>: Dont pay a fee. Get a secured card. You will give them a 50-200 deposit. Use it kinda like a debit card for 6 months. Then they will up your limit to around 1200 and credit your deposit into your account. After having it for a year, get a better card. I did this two years ago and my credit score is over 750. 