Credit is a notion concieved by the Devil.. If you don't have any debt, don't start.. You'll get so far behind.. You'll still be paying on it when your kids graduate from high school.. If you can't afford something. Don't buy it. If you need assistance. Contact a religous institution i.e.; church, temple, mosque or shrine. Request assistance. Go to your local medical clinic and ask to sign up for medicaid. While you're there ask about food stamps. You don't want to start any kind of credit. It's the worst thing anyone could bring upon themselves.