This happened to me too. Still using Web Payments Standard. I have no need for credit because I live well below my means and save up furiously. So I got a Cap

This happened to me too. Still using Web Payments Standard. I have no need for credit because I live well below my means and save up furiously. So I got a Capital One card (my first credit card) and on the 1st of every month, I buy a single donut and pay it off in full 30 days later. I have no idea how this affects my credit rating, but it's tasty.