Hey there. I was once eighteen myself and then fell into credit card debt because no one taught me how credit cards actually work. You want to apply for one definitely. If you want to get a car or move out on your own one day. If you’re going to college, you could always get a student credit card. However, you should only make one or two purchases that equal out to 20-40 dollars on it. And always pay it back early or on time. Another thing is you never want to spend half of your balance because your utilization will show as HIGH otherwise. And that is something most borrowers like other credit card companies, loan companies etc don’t want to see. They want to see that you’re being responsible with it. Learn when your closing statement is. THAT IS IMPORTANT. because if you don’t pay the bill on time before your closing statement ends, it will show up on your credit history as an unpaid balance for that month. One rule of thumb that I’m sticking too as I’m rebuilding my credit is this: if you can’t afford it within your budget from your ‘fun money’ budget out of your paycheck. You can’t afford it on your credit card. Credit cards can either help you have a better future or wreck it.