<prompt> Human: Hello PersonalFinance, I am a 24yo working in the OG industry as a wellsite geologist with a decent salary 65kyr, but no credit history to my name, which as ive come to realize is just as bad as a low credit rating. Recently I had a really tough time moving into an apartment and I eventually had to use my mother as a cosigner. I apparently am very financially illiterate when it comes to credit because I thought the debit card I had for 5 years would suffice... Wrong! Im using this episode of when having no credit was a limiting factor in my life to learn the essentials of building good credit. This might be asked so my monthly expenses total around 2200 for everything car payment, student loan, rent, food, gas, phone, utilities, etc, and the rest usually goes to savings and getting whatever else I want. My main question is which credit card should I use given my income to start building a solid credit history? I regret being a dumbass about this, but feel free to remind me.  <response>: Go to your bank or credit union and talk to someone about getting a credit card. Hopefully they know you well enough they can offer you a beginner card with no fees isnt secured.If that doesnt work, put down a deposit for a secured card. A year after you get it, ask to have it switched to a regular card. 