Hey guys! I know it’s not car related, but you all are a smart bunch and I know you can help me out. I’m 21 and probably should have had a credit card 4 years ago, but I hate credit. My mother relies on the plastic too much and that made me stay away from them. But, I am now at the point in my life where I need to establish credit to be able to do more adult things. So, do you guys have any recommendations for cards and could you explain why they are a good choice? I’m an economics major so I should understand most of the terms, but I don’t want to get killed with hidden charges. I will note that I plan on paying off my card every month with my debit card, so I don’t think the APR matters too much, but I could be wrong. Any info will surely help. Thanks in advance!