Should I get a credit card to build credit?

Concerns & risks

You're young and have no credit history, and every apartment and loan application asks for one.

Misused cards can hurt your score instead.

Causes & evidence

Paying on time and keeping balances low builds history. See credit score basics.

What to do

1. Consider a student or secured card.
2. Use it for small bills.
3. Pay the full balance every month.
4. Keep usage well below your limit.

Common mistakes: Common mistakes: getting a card and maxing it out. Keep balances low and pay in full each month. Starter or secured cards can help build credit. Don't apply for many cards at once. Read the fees carefully. Another simple way to start is becoming an authorized user on a family member's card if they pay on time and keep low balances. Ask whether the issuer reports authorized users. Pay your new card in full each month, keep spending small compared to the limit, and leave the account open over time, since the age of your accounts can help your score.

Speed Man tip: Put one subscription on it with autopay. Easy history.

Wrap-up: Start with a student or secured card. Pay in full. Keep balances low.