is a credit card a good way to start building credit at 21 years

Yes.

>what are some other good ways to raise my credit score?
None that are free like credit cards are. Paying interest on a loan just to raise your credit score is putting the cart before the horse.

do eet. Be careful and all that jazz. Yeah credit cards are the best way and cheapest way to build credit.

My credit score is 740. Is that good enough to buy a cheap house, even if I only make 30,000 a year?

>>1909710
You should be okay credit wise. Anything 720/740 and up gets the best rate

Secured credit card is best for building creditZ

>>1910203
A secured credit card doesn't help you any more than an unsecured credit card. You only get a secured one if you can't qualify for unsecured.

>>1909597
The BEST way is student loans if you have them. If not, apply for credit. If you can't do that, get a secured credit card.

Apply at Discover first. They have the best rewards and aren't too hard to get. Trust me, though. List your income as above $10,000 and your assets as at least 2000.

>Have a credit score of 761
>Two credit cards, no derogatory remarks
>Always pay balance in full