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I want to say that I have had a CitiBank Visa (now a Mastercard) and have never had one problem with them. I would definitely go with a bigger recognized name card company than some unheard of one. Use your cc when you need it and only when you know you have the money to pay when the bill comes because if you don't pay it all off and you are a first time cc user, like everyone posted, your rates are gonna be sky high. But use your debit card for purchases sometimes too. Whatever you do, don't get yourself into debt. It will screw up the rest of your financial life.
Also, watch out that they don't raise your rates on you. They can do this to you even if you are a perfect customer and have never been late and they don't even have to tell you. So check your bill each month and after 6-12 months, if you have spent enough and paid your bills, and they haven't lowered your rate, call them and ask. They may say no at first, but be assertive.
HTH.
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That is my 2 cents.
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