Any one know of a good credit card?

There are a few ways to get your first credit card. One way is to have someone with good credit be guarantor. Basically it says that if you don’t pay your bill that your guarantor is responsible for it. For my first credit card my parents signed as my guarantor. After a year of paying my bills the bank dropped my guarantor so the account was all mine. If nobody is willing to be guarantor or you just don’t want to ask anyone you can apply for a secured credit card. With a secured credit card you open a bank account that serves as collateral for your credit card. If you have $500 in your savings account you will have a $500 credit limit on your card but the two are not linked; that is unless you don’t pay your bills. Either of these will start your credit history. The card that Nap mentions is a debit card not a credit card. After you get a card I’d recommend that you use it. Responsibly using credit and paying your bill demonstrates credit worthiness. Also, if you don’t use your card your bank doesn’t make any money so they may drop you. Most cards have a grace period so if you pay them off in full every month there is no interest. Use your card for its convenience if nothing else.