<prompt> Human: Im 26, have no debt, and have never owned a credit card. Ive been told by several people I should get one to help with my credit score and so on, but I really dont know where to start. Any suggestions for a beginner? Thanks  <response>: Remember this. If you get denied. CALL THE RECONSIDERATION PHONE NUMBER.When I applied for my first credit card I was denied. I called the number and was denied again. I called the second time and was approved.Edit: Its also really convenient to get a CC where you bank. It may also be easier to get a card with them. 