<prompt> Human: Is it a good idea to get a credit card at 18 to start building credit? or should I just stray away from getting one. Just want to know if it is a good idea, not probably wont get approved  <response>: If youre going to be responsible about it, yes its a fantastic idea. Thats what I did, got a credit card with a very low 300 spending limit the summer after graduating from high school and used it only to purchase Things online. I.e. my Amazon purchases or concert tickets which were very infrequent, maybe once every one or two months. Never bought something with the card that I didnt already have the money for, paid off the balance as soon as it showed up in the online account. Helped me get approved for apartments in collegefirst years out because I had several years of clean payment records already in the books. Have since gotten a card with a much higher limit since my spendingincome has gone up after college, and still use my tiny card for a gym membership and those types of small monthly payments to keep my average credit age up. Thats my story anyway lol 