HEY everybody, look at the NEW guy!

[Halon]

A Visa debit card isn't going to do anything for your credit. But your bank should offer an actual credit card. Just get one, keep it in case of emergencies. Put a CD, or some gas on it, and pay it off at the end of the month. Do that every couple months and it'll help build your credit.

And about your 10k loan. I don't think any bank is just going to hand over 10k to some young buck with 0 credit. I don't know your income annually, but it'd prolly have to be pretty high for them to even consider it. When I went to my credit union, i told them I wanted to get a car loan. I didn't tell them how much the car was or anything, I just asked if I would even get approved for anything since I had no credit. So they did it up on their computer and said I would be approved for a max of 8k with 6% yearly interest. So I'd say just go to your bank, tell them you're looking to get a car, and will need a loan. And you want to know how much they'd approve you for, because you don't have a car or price decided on yet, just want to see the max they'd approve you for. See how much they will give you and go from there. If you can't find anyone to loan you the money, well then that's a bummer. That should just motivate you more to get some credit built up. I'm only 22 and I now have very good credit. I check my score twice a year. Things that have counted towards my score are loans, visa, military credit card, gordon jewlers cards, and a helzberg diamonds card. So hell if you wanted, go get your g/f a necklace as a gift from gordons and open a credit account. Pay it off in 2 months, and there's something that will help your credit out. Without credit it's hard man, gotta get started on that man!!