Even though there are a few ways you can try and accelerate the process, it takes time to build credit. Credit cards can be one of the best ways to do so, and if you commit to using them properly, it can be worth the time you spend strategizing.
You should explain to them about credit and how swiping a credit card doesn't mean you don't have to pay for things. After you buy something with your credit card, show them your monthly bill after so they understand how credit cards work.
There's a lot that the basics don't cover, and questions that you might be embarrassed to ask, like how to start rebuilding your credit after a bankruptcy. We cover 10 of the top I'm-too-chagrined-to-ask questions.
In your own financial life, it can seem like you are alone. But you aren't. You can put together a team of people to help you. Your family and friends are your own cheering fans in the stadium of your life.