<prompt> Human: Im a real blank slate here, so Im not sure what I need to know. I have no idea what credit is or why I need it. Im about to get my first credit card, and its gotten me thinking on how uneducated I am on finance. Any advice you can give me would be extremely helpful.Edit: I wanted to keep things vague to catch as much advice as I could, but I should clear up some stuff. I just got hired for a job that Ill start in January it wont be the best pay but its income which I didnt have before. School is my top priority right now. My parents want me to get a credit card and theyre going to help me out with it. I and they dont expect to be independent for another 5 years at most, but I want to start saving and understanding now while I have the time.  <response>: You dont need a credit card. You need a job. Read everything on the right hand side. 