<prompt> Human: I turned 18 in July. My whole life I have only had two bank accounts and zero lines of credit. Is there a reasonable credit card that I can apply for without needing anyone to cosign? I only want this card to help build a credit score. I might use it once a month for gas in my car and maybe small purchases. Any other tips are welcome, too.  <response>: There are a couple of options1. If you do have cash, try a sheared secure credit card. You will have a line of credit, based on the amount of money in your savings account. You will borrow against your own money. The interest rates are lower than most major credit cards. Check with your financial institution for interest rates and minium balance.2. A second option is have a cosigner for a line of credit, check with your financial institution for requirements.Ask questions and shop around, try and see if you qualify for credit union membership. 