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If you don't have any credit history at all, then your co-workers might be right. When I first started building up my credit, I got a couple of department store cards with a limit of $200 each. The interest rate was about 18% on both. I was 18 when I got them and I bought a few things here and there and buit up a history. Since you're just starting out, this might be the way to go for you.
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