<prompt> Human: Hello Personal finance!Ive just been offered my first real job out of college as a software quality assurance engineer, to the tune of 54,000 a year. I have some big steps ahead of me, including buying a car and applying for my first credit card. I am 25 years old, have no credit negative or positive, no debt, and about six thousand dollars. Im worried that applying for a card will get me denied and then affect my credit negatively, but I need to start building it for the future. I also do not have a United States bank account, and Im getting conflicting advice about going with a local credit union or major bank. Im reading through the sidebar posts and gathering information, any personal tips on how to proceed would be hugely appreciated. Thanks!  <response>: Step one is to try to live as if you didnt have this large increase. Im not saying dont start to enjoy your new found wealth, but try not to act like youve just won the lottery. 