Well I figured this would be a good time to introduce myself on this site. I have been lurking and reading threads for almost 3 months and I decided to make an account.
I was finally accepted for my first CC this month. A "Capital One Secured Plantinum Mastercard" 49/200. It isn't much but I am proud to have it to help start my credit building.
A little info about me, I am currently 18 years old and I attend college full time working toward getting a degree in Computer Engineering Technology. I work part-time at two jobs including a computer technician and a pizza delivery boy lol.
Also, yesterday I went into my local CU to ask for a loan to help cover my summer classes. $500, not much but a decent amount, they were a bit reluctant to give me the loan but they approved me 
.
And that is about it, I hope later this summer to apply for a Discover It and hopefully in about a year once all my inquires have aged a bit I will move up to the "big boy" lenders .
-Hunter
You're on the rick track! I wish I would of utilized this forum when I was 18. You'll get to 700 in no time 
Thanks for the support!
Definitely on the right track. If the 10% doesn't bother you, I would simply pay it out each month. This will definitely give you a score bump just for having different types of accounts. (The roughly 50 dollars or so will be a good price to pay for building your credit.)
Resist the urge to apply for anything for a while. Give yourself at least 6 months before you decide that you need to apply for something. The greatest thing I ever did was apply for a card (approved, luckily) and forget about credit for 6 months to 1 year after that. I then picked the lender that I wanted to grow with..yes it was a small limit but it was with a large lender.
The board is always here for you, but can be frustrating reading all of the approvals of varying shapes and sizes. Note that everyone has gone through a different journey and not all paths will be the same. Be responsible, like you've already said you will be. Live within your means. You seem to have a very level head on your shoulders. Don't allow family or friends to burden you more than you can handle money wise. (And know that all loans are basically gifts -- if you can't afford to give it away then you can't afford to loan it. This might be more important later than now.)
Resist the urge to apply for anything for a while. Give yourself at least 6 months before you decide that you need to apply for something. The greatest thing I ever did was apply for a card (approved, luckily) and forget about credit for 6 months to 1 year after that. I then picked the lender that I wanted to grow with..yes it was a small limit but it was with a large lender.
The board is always here for you, but can be frustrating reading all of the approvals of varying shapes and sizes. Note that everyone has gone through a different journey and not all paths will be the same. Be responsible, like you've already said you will be. Live within your means.
You seem to have a very level head on your shoulders. Don't allow family or friends to burden you more than you can handle money wise. (And know that all loans are basically gifts -- if you can't afford to give it away then you can't afford to loan it. This might be more important later than now.)
