<prompt> Human: All credit card applications were denied because of a lack of credit history. My folks are pretty strict about money and while they are helping me with some of school, they dont think I need to start building credit yet. Im new to the adult world but I do have a job and make enough money to responsibly manage small payments to start building credit. I make small insurance payments every month, I dont know how these affect my credit. What options do I have to start slowly building good credit, or should I not be focused on that at all?  <response>: Get a secured card at any bank.Pay it off before the due date, so you dont pay any interest. 