<prompt> Human: Ive recently graduated college and got a steady job making 50k a year. Ive been wanting to start saving as much money as I can and build my credit, but Ive never had any experience with owning a credit card, saving accounts, IRAs, or any of that stuff. Anyone have any tips on how to start building my creditsaving money? Any suggestions on what kind of credit card for someone with no credit score to start with?  <response>: You might have to start with a secured card first. Then again you might also get accepted with an unsecured one with a low limit. Either way, thats my advice to start building. Get a card, use it, and pay it off every month. 