<prompt> Human: My parents opened an emergency capital one credit card for me a few years ago which has resulted in the 778 credit score. Since I am not the one paying for that card, and I am a 19 yo college student with a part time 9.73hr job, how much will that score actually affect my credit card applications? I dont want to start blindly applying for cards as that will have a negative impact. So should I shoot for safety with a studentsecured card or is the score alone enough to qualify me for a card w rewards etc?edit: My question isnt about if I can handle the responsibility of having a credit card, I am going to get one and I will pay it off every month as Ive already made a budget for my monthly credit spending. My question is specifically- which type of card should I apply for, the more likely to qualify student card, or the higher incentivized and harder to qualify for rewards credit card? -Thanks for any feedback in advance-  <response>: There is no reason to have a secured card it you arent required to get one. Just get a nice cash back card and pay it off every due date. 