<prompt> Human: Before anyone asks, I have a steady 40 hr weekly job that pays 13hr, but I was wondering if I should build my credit with a credit card. Is it a good idea? Maybe a bad one? Id like some thoughts and advice, as well as suggestions for a moderate credit card if so.  <response>: Here is my generic thing that I tell people with no history about building credit while avoiding debt:___Best way to use a credit card is set it on autopay for the full or statement balance and treat it like a debit card with benefits dont let it catch feelings... er, interest. There is a 1 month grace period before interest is charged, but at the end of that month if you have autopay setup, you can just have the balance come out of your checking account and not owe interest. This is just one of the many reasons having money saved in the bank is useful.Interest is killer. If you carry a 1k balance, you could conceivably pay 200 a year for the rest of your life and still owe 1k. Credit cards are betting youll do this. If you dont, they can be nice for the sign-up bonuses or cash back, and to make you more trustworthy when rentingbuying a home.If you can just treat it like a debit card, here are some good ways to get a credit cardraise credit to raise your trustworthiness score over time wait a monthmonth and a half between steps 2, 3, and 4 if all are necessary, because of the hard pull:0 If your parents trust you enough and always pay on time, they can add you to their credit card. Even if you throw it in a sock drawer, their good credit will raise yours.1 Use the shopping cart trick google it to attempt to get a store card. The benefit of this is it will not incur a hard credit pull a record that you attempted to borrow, which can make other lenders less likely to lend to you.2 Apply for the Discover IT student version if youre a student or a similar capital one card, as both companies have a reputation of being more likely to lend out to people without credit history.3 Repeat step 2 for the other bank.4 Get a secured card. You will need to deposit the amount of your limit so you give them say 200, then they set the spend limit to 200. when you close the card you get your deposit back, and should be careful because a lot of secured cards are somewhat predatory with fees, but there are some that are fairly normal, with no fees as long as you pay on time and stay under your limit. These are for people with bad creditno credit. 