<prompt> Human: I am a college student and currently have no credit. Ill be graduating in a year and a half, and would like to start building some credit. I dont have a credit card, but do have a checking account with a debit card. If my parents were to put a bill in my name, say the family cell phone plan, and then put money into my accountmy mother has access to my checking account and pay the bill through my account, would this be a good way for me to build credit? are there any issues with this plan that I might be overlooking? thanks for your help!  <response>: Get a student credit card and pay off your bills in full every month. Theres no need to make this complicated. 