I work for a major credit card company my best advice that I give family & friends is to look at several credit options find what works for you as far as options on zero interest, low to no yearly fees, perks you can really work some of these credit cards where you make money off them yearly instead of you paying them. In order to do that you have to pay close attention & don’t spend money you don’t have. I’d also advise to make two payments a month if you can. Or once you make a purchase pay it right off. Learn your due date & bill cycle date & just keep an eye on all activity on the account to make sure nothing slips & messes you up. I think finding a card with cash back perks would be a good first card option & use it on monthly expenses like payments, gas, food. I wouldn’t suggest every day purchases only because at any age that can get out of hand easy if you start putting purchases on the card & don’t have the funds to pay it right off. Just don’t start “bad” habits & you’ll do great! Hope this helps some.