With the growth of small business, big business, banking, real estate and stock market investing, having credit in todays fast pased world is an absolut must! The easiest way to start building credit is to get a credit card with a very low credit limit and only using it to purchase the things that you normally buy like groceries and gas with the card, that way you know you can pay off the ballance at the end of every month and not get charged a high percentage intrest rate. There are many options for credit cards out there, choose wisely, read the fine print. A credit card or line of credit can be a blessing for some, but can also create financial ruin for years for many others because of poor choices. Visa, Mastercard, Discover.