I got my first credit card when I was 19 right when I moved to Santa Barbara for school. I left my credit card at home in nor cal the whole time. One day I get a call saying I owe $500 that someone bough a bunch of stuff at Home Depot. Well I went in with my dad and canceled it.
I haven't had a credit card since. My question to the OG is what would be a good starting out credit card, and would it be better to go into the bank to apply or is online fine? 
Also, what are the advantages of going with a credit union?