<prompt> Human: Im 20 years old and I think its about time to get a credit card but I dont know where to start. I feel more comfortable getting a credit card from the same place Im already banking at A relatively small credit union but it has very high interest rate I believe but I dont know the exact percentage. Or would it be smarter to go through a bigger bank such as Wells Fargo in order to build credit. I just want to know the pros and cons of bigger banks, versus littler banks when it comes to credit cards. Will answer any questions!  <response>: Interest rate doesnt matter if you use your card correctly. Just try to avoid a card with an annual fee.Steps for building credit with a credit card: Buy something on credit card ideally somethings small like a 5-20 monthly streaming subscription Wait for statement Pay statement balance in full by due date Repeat monthly 