<prompt> Human: Title speaks for itself. Im 23 with absolutely 0 credit history, my whole life Ive been using a debit card and the checkingsavings account my parents opened for me with Purdue Federal Credit Union when I was like 2. Definitely need to start building some credit but no idea where to begin? Whats a good starter card? Should I just open one with my current credit union? Would it be worth while trying to open an account with a major bank and transfer my money?Still living with my parents, very few expense I actually pay aside from gas and my own groceries. Steady income but up until now Ive been irresponsible with saving so Ive got about 5k in my savings currentlyAny advice is appreciated  <response>: First off, I dont think that is irresponsible saving. The fact that you put some money away without using it shows you are responsible enough to do that :At 20 I was in the same position as you and my parents basically told me to figure it out myself. I ended up opening a secured card with Capital One because of my lack of credit history. They also gave me free credit reports which has a simulator to show you what factors reflect your credit score. My advice would be to find a company that will provide you with a credit card with no fees, and as a bonus, a way to get credit reports. 