Before going off to college my kids went in to the local Wells Fargo branch where they had bank accounts and set up credit card accounts. Initially they might have been “secured” credit cards, tied to their bank accounts, but I don’t remember. They also set it up so that the CC balance was automatically paid in full every month, directly from their bank accounts. The idea was for them to use the cards minimally but regularly in order to establish a good credit history. It worked well.