<prompt> Human: So as the title of the post says Im confused about credit. More specifically I dont understand how to obtain or build credit. Im also not sure if I really need it. A little bit of backstory. Im 22 and just graduated from college. I have zero debt and have a full-time job lined up making 47,000 that starts in August.I tried applying for a student credit card and a real one, but got rejected both times. I signed up for freecreditscore.com, but when they attempted to calculate my credit score there wasnt enough information. I currently pay my rent every month, pay gas, electric, and internet. Im not sure why I dont have a credit score.Any advice you guys can give me would be great. I want to set myself up to be financially stable and successful. Thanks. Edit: Thanks for the advice everyone. I will certainly look into getting a secured credit card. Ive learned a lot from this thread and Im very grateful. Hopefully Ill be able to get something going and then Ill probably have a ton more questions later on. Thanks again!  <response>: I was in a similar situation coming out of college and got rejected by a few cards. I ended up being able to get a Chase Freedom card. I was rejected by Chase Freedom at first, but you can request a reconsideration. Since I had 10k in savings with Chase, I was accepted after the reconsideration with the measly credit limit of 500. Good luck. 