APR = Annual Percentage Rate. Do not take the first offer you get. Match them up against one another. If you want to build some credit record, go to your bank and ask for a Secured Credit Card. It is like a credit card but linked to your checking account. Do not confuse yourself with a Debit Card. It is almost the same, but you can build a credit history on it.
A secured credit card is NOT linked to your checking account. You only get a secured credit card if you open a secured savings account and the limit of the card would be the same as the amount in that savings account. You can not withdraw any funds from that secured savings account without lowering the limit of the secured credit card. The interest on that secured savings account is measly, but the interest on the credit card is the usual loanshark level rate - way higher than the measly interest level of the savings account. Banks love to give out these cards because if you default on your credit card payments they don't have to run to the courts to sue you, then they can just apply your savings account.
