Gotcha. Best thing to do when you decide you want a card is to get one with a limit. I needed to build some credit so I could get a house. I got a credit card with a $400 limit on it. That way, even if it is stolen or compromised they can't do too much damage. Plus when you dispute the charges banks normally side with you. I've had my debit card compromised before. It's something to look into when you do get a bank account.