Q&A: I've never owned a credit card -- how do I get good credit? IS mine bad?

by SS&SS
Question by matt g: I've never owned a credit card -- how do I get good credit? IS mine bad?
I am 18 years old. I have never owned a credit card in my life. I was denied a Target card today because I don't have credit. I had to make a $ 150 down payment on a new phone because I don't have a credit score.

How do I improve my credit score? I really don't want to own a credit card, and I would like to only use it for things like gas and only use it sparingly. Is my credit currently

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