<prompt> Human: I am almost 22 and I am trying to get my credit at a good score. I dont know what it is. I tried getting a store credit card but they denied me. Someone said that I should go get a loan from like a payday loan place. I just have no idea where to start.  <response>: Someone said that I should go get a loan from like a payday loan place.Please dont do that.Look into getting a secured credit card. This is a card where you put down a deposit and your credit limit is equal to that deposit. You still have to pay the credit card bill the deposit will not cover it like a regular credit card and it will help improve your credit score.And please remember you do not have to ever pay a single cent in interest in order to get a good credit score. 