Starting out from scratch with no credit after high school can be a confusing time, since you have likely never been exposed to such things as credit cards, checking accounts, loans, and 401(k)s, but building your own credit does not have to be that difficult at all as long as you have a sense of responsibility when it comes to your money. You may be tempted to rush out and get a credit card immediately after you turn 18, but you cannot do this in most cases and get one without having a checking and a savings account first. You also have to have a job to be initially approved for the card, but not to keep carrying it, much in the same way that an apartment complex cannot evict you for not having a job, but they can evict you for not paying the rent.....