Credit Card.
Never a bad time to build a good relationship with your bank.
No one believes me when I say this, but I don't pay a dime in bank fees. I've been with the same bank forever, they constantly offer to bump up my credit limit and shit. WHen I have problems, they solve them lickitty split. Not all banks are created equally, but fuck it, just use a credit card.
There's no such thing as a bad time to build good credit.
I make a point to pay at least one bill a month on my credit card and pay it off just to build the credit. That's probably why my bank keeps offering me fat ass lines of credit, massive boosts to my credit card limit and new banking features that they will pay for themselves.
(The VISA company still tries to Jedi Mind Trick me into changing my card type so I'll pay THEM $120 a year, but I continually tell them to go fuck themselves. Yell at people once or twice and catch them trying to fuck you over, and you'll be surprised how quickly they'll start "Yes sir, no sir, three bags full sir"ing you. It pays to work in the service industry. You learn what buttons to push and when, and you never pay what other people do. To this day, my cell phone plan is reknowned amongst my friends as highway robbery. After 4 years of robbing them blind, they gave me a data deal, a new phone, $100 credit, 6 months of free features and a $2 reduction in my monthly bill. Either you work the system, or the system works you. :P)
