<prompt> Human: Im a 20 year old female and Ill be graduating from college 1 year from now. Knowing that Ill be trying to get an apartment or make big purchases in the near future then, would it help if I apply for a credit card from a store, like Kroger? The only thing I have going for me right now is that I have a checking account in my name. I pay my tuition myself, but I do have some loans out that Ill start paying after school. Will paying off little balances on a store credit card help me out at all in building credit? Is it worth it?  <response>: Credit is a good idea, but I cant suggest a store card for a first card. Store cards are notorious for hoping you fuck up.Grab a real credit card, make sure you can use it responsibly, then expand out to store cards if you want. 