How does a credit card work and why do I have to get one?

I just turned 18 and I am trying to get my own place but they said I need to have good credit. To have good credit, they said I have to build good credit, but the only way to build good credit is to have good credit. Why is that? I was looking at credit [...]

What is the best student credit card?

What is the best credit card for a student trying to build good credit? Or does anyone know of a website that lists the best ones?
Most IRRESPONSIBLE students end up over their head in debt.
Smart students, like myself, try to build up good credit.
I plan on buying my gas with a credit card and then [...]