Just got a new credit card! Its pretty much just letting you buy things for free!
What? NO! you have to pay for stuff you buy with a credit card!
Well you do have to pay for the things you purchase with a credit card, its just like a cycling loan from a large company. If you are smart with your purchases you can build a good score and finally get that bank loan.
I only got one because the bank wouldn't give me a loan for that awesome car I found, they said I had no credit score and couldn't go off that.