You do not need a credit card to build credit. Do you have a car loan? If you are thinking on getting a credit card for money at hand you are better off going to your bank and getting a personal line of credit. THe interest rates are half as much, and you will build credit also, Buidling credit is over rated. We all usually have car loans, this builds your credit, and once you have secured a decent job for a length of time lenders, lend you money based on your income and ability to pay back the loan, not based on if you built credit through a CC.
Unless you can pay the CC balance at the end of every month, don't bother getting one. The interest SUCKS. Get a personal line of credit, likely around 4-5% interest if you are a student compared to 14-19 or more % with CC's..
