Well, I must say that credit is very evil. However, if you choose to go with it, DO NOT go with Chase Manhattan Bank. They are awful and I think they just want you to dig yourself in a huge hole (like all credit card companies, I guess). I was 21 and did not have a job and they gave me a credit limit of $15,000. I thought that was kind of sketchy. I'm not a fan of CitiBank, either. They give you the run around. I've never known anyone to have trouble with MBNA.
Try to get a card with no annual fee and there are many cards out there with 0-10% interest rates. I would never go over 10.
But I repeat, and say it with me, CREDIT IS EVIL!
