<prompt> Human: So Ive talked with my mom, about getting a secured credit card from my bank for about 2 years. Low interest, low limit, low risk card. Ive typically been decent with money however lately its been a struggle.Im currently on Social security for a heart defect thats causing me to have dificulties finding a job I can reliably do. In the mean time I live with my parents. I get about 500 a month from the government. 100 goes to my mom, 200 is saved i need a new car and 200 goes towards food and other.To the best of my knowledge, I have zero credit built. I may possibly have bad credit due to hospital bills but Im not entirely sure how to check. I was thinking a low limit card would be a good way to start building credit. Use it on groceries once a week, pay it off as soon as possible assuming theres a way to pay it off before the due date, Id pay it off the moment I could.My mother disagrees. Shes worried that Ill go on a spending spree because she thinks I have no concept of how money works... I dont want to blatantly go behind her back and just get one, but Im worried that if i dont start building credit soon, ill regret it when i want to get an auto loan, or an apartment of my own. My mother is also not able to co-sign anything as shes already cosigning for my dads car his credit got fucked up a while back and my sister who also had no credit like me.Any suggestions?  <response>: Used responsibly credit cards are great. You seem to know it is NOT FREE MONEY. You are an adult. Get a cc if you want. Good luck. Dont spend more than you can pay off immediately. 