<prompt> Human: Hello rpersonalfinance,Im a college freshman in Michigan. Id like to start building my credit now for when I want to buy a house or car and I think getting my own credit card and paying it off on time would be a good place to start. Do you have any suggestions for a first credit card? Im also a member of a credit union in case it would be a better decision to get a card with my bank. Thanks!  <response>: You also need to pay off your credit card in full each month. So many people fall into the trap of spending more money than they have, and wind up in debt for years.If you treat your credit card like cash, and dont spend money unless its in your bank account, youll be fine. Make a budget, write down your transactions, and pay off your credit card on time and in full after you get the statement. Also, try to stay under 30 of your credit limit.That said, I recommend most any student card with rewards. Youll probably be able to find a card that offers 1 back. 