<human>:  How can I build my credit if I have no credit history?
<bot>: The best way to start building credit when you have no credit history is to begin by obtaining a secured credit card. A secured credit card requires you to make a cash deposit, which is usually equal to your credit limit. Making timely payments on a secured card each month can help you establish a positive payment history, which is a key factor in determining your credit score. You can also consider taking out a small personal loan. Making timely payments on a loan will also help you build your credit. Additionally, you can become an authorized user on a friend or family member's credit card to help establish a credit history.