<prompt> Human: Long story short, I had a shit load of debt I preferred to ignore.They came after me, I did nothing.Eventually I was garnished by court order and the debts were paid off a year ago.I had a car loan with an obscene interest rate that I recently paid off well, insurance did, it got totaled.Now Ive been getting these offers from Capital One...I have no current lines of credit at all. The only debt Im still paying off are student loans.Should I get a card to have an active line of credit that Ill barely touch because I dont want to get into the same mess Past Me did?Edit: Wew, I did not expect this thread to blow up like this. Thank you everyone for your advice. Ive double-checked the letters and 2 were from Capital One, and 1 was from Credit One.The terms of Credit Ones are like what someone else mentioned earlier, interest beginning charge from the posting date of any purchase, immediate 75 charge when opened, etc. Ill be avoiding that one.Ive applied to Capital One and was approved with a line far bigger than what I was expecting for someone in my situation. I know I have to be careful. My road to recovery begins.Assistant: You should get one, yes. Look at the Capital One Quicksilver. Great card for rebuilding. Human: Thanks. I think the current offers that came in have really bad interest rates..but better than nothing, right?  <response>: you should go to your bank and get a secured credit card if building credit is your goal. You go have to pay a deposit on the limit you want and they hold that if you ever default, but the good banks will report on your history a couple times a year and after the period you get moved to a better card and you get your deposit back 