<prompt> Human: Instead of going to college after highschool, I began working full-time and never really looked back. Therefore Ive had no real opportunity to build any sort of credit through school loans.Im 22 and make about 42,000 before taxes. Im careful with my spending and live below my means. Ive talked to my bank and they suggested applying for a secured credit card. I dont even really know much about that or even where to begin. For obvious reasons Id like to begin building credit I realize I should have done this earlier, so hopefully Im not too behind the ball.Lastly, I realize I could just google all this info and get something with no annual fee, but Im specifically posting here if anyone has any personal experiences that would be helpful to hear.Where do I start with getting a credit card, and what credit cards will offer the best bonuses?Thanks for your help!  <response>: Discover is usually a good place to start. The discover it has relatively low barriers to entry 