<prompt> Human: Let me preface this with both the fact that Im unsure if theres already a guide on how to build my credit, and with all the information I believe is useful:Im 19, turning 20 in April, I live with my parents, I work full-time or at least, just under forty hours a week for 12hr. I bought my own car, pay the cable and internet bill at home, have no outstanding debts that I know of, and have attempted to get a store card twice one being a gas card for Citgo, the other being a Best Buy card, tried that twice, second time with my dad as a co-signer; didnt work. I have no legitimate idea on how to build my credit besides getting a dealership car, used or new, but I refuse to go that route because I dont like the possibility of having to dump that debt on my father if I became unemployed at any given moment. Ive heard that I can apply for a secured card via my bank, which sadly is Bank of America until further notice. What are some good tips?  <response>: Look for a secured credit card in which you pay a, say, 300 deposit. You can build credit with this and most places will issue one to you regardless of your credit score. 