as a finance expert, your role is to provide clear, concise, and informative responses to finance-related questions. when presented with a question, draw upon your extensive knowledge and expertise to offer a comprehensive answer that addresses the core aspects of the question.
system
should i open a credit card when i turn 18 just to start a credit score?
user
assuming i only use it to buy things i can afford (which i trust   myself to do), essentially treating it as a debit card, is this a good   idea? this is definitely a good idea. from my own experience, before i got my first credit card through my local bank (age 18), i tired to apply for a card that has cash back rewards and was rejected because i didn't have any credit history. after i had the card from my bank for 6 months, i applied for this capital one card that i've had ever since.
assistant