<prompt> Human: Hi I just recently turned 18 and Ive been thinking about getting a credit card. From what Ive read in this sub, its a good idea to start young so I can start building credit. Unfortunately, I have no idea how or where to start. I currently have a savings account with my local bank, which is a custodial account held under my parents. My parents also gave me a credit card which has my name on it, but they pay off. I want to start to be more independent, so what do I do? Should I get my own checking account now that Im 18? Also, how would I check if I have a credit score and what it is? Also, what credit card would you think is good for me? Im only a student so I dont have any big expenses; I might just use my card to pay for gas or the occasional groceries. Any help is appreciated.  <response>: Get a discover card use it to pay all your bills and small purchases to get the cash back. Pay it off in full each month. 