<prompt> Human: Ive been thinking about getting a credit card im 18yo i have no credit and i work at kfc so i make maybe 800 dollara a month. Ive been looking to get a new apartment so i need money for the down payment i have 300 saved and i pretty much need to move immediately so i was gonna take out a personal loan but thought a credit card would be better. Any advice?  <response>: How much do you need for the down payment? Generally apartments wont take credit for rent or down payments.Also, using a credit card to buy something that you cant afford and will take you a few months to afford is exactly what you should not doIf you need to start off your credit from scratch your best bet would be a secured card and just put something that you have to buy anyway on itfuel then pay it off every month. Getting one just for a down payment means itll take you a longgg time to pay it off, especially if you start at 20 interest! 