'nother one here on the 'not much of a credit history' (well, okay, not so much me, but trombonish definitely). Our credit union has a nifty program where they give you a... I don't remember their wording, but it's a 'training wheels' credit card. I mean, it's an actual credit card, but they bypass the 'good history' bit by setting the initial limit to A Chunk Of Your Savings Account (determined by you; K started with $500, which isn't enough to buy anything huge but is at least some points on the radar, as it were.)