[bcdphie]

You definately need a credit card in order to build credit, the only other way I can think of building credit is if you have a bank loan, which you pay off. But you may need to show you are a low credit risk by credit card actions before you can get a bank loan - chicken and the egg I suppose.

I only have one credit card - a Visa. I technically have a Mastercard as well, but it is my mum's account and is for dire emergencies only.

The trick with credit cards, as many have said, is to not spend more than you are able to pay off. I did this for years, but it hasn't been as easy to do that as of late. So make sure you always pay the minimum amount to keep a good credit rating. Even if I can't pay the whole thing off, I usually try to pay way more than my minimum amount.