Also, read everything through carefully before you sign anything. When I first went to the bank to apply for a credit card, this is the first offer they gave me:
"You give us $300, and we'll make you a credit card with a $300 limit. Use it like a credit card, and use that to purchase stuff and make payments with it. You'll build your credit in no time!"
"...so...you're going to charge me interest on my own money, just so I can start building credit?"
They told me I would never be able to get approved for credit any other way. I applied for a visa credit card with reasonable interest, and got accepted withen 3 days. I built enough credit to purchase a house within 18 months.
Credit is a valuable tool, but don't let yourself get scammed.