Once you turn 18, if you choose one of the 4 options for accessing credit, how will you be sure

Once you turn 18, if you choose one of the 4 options for accessing credit, how will you be sure you use that credit responsibly?

The 4 options are below
GET A CO-SIGNER CHIP AWAY AT STUDENT LOANS
For those aged 18-21 years, Paying off the interest on an unsubsidized
a parent can act as a co-signer, student loan while you’re in school can
so you can open a credit card also bump your score up.
account.
GET A SECURED CREDIT CARD TAG ONTO ANOTHER CREDIT CARD
Most providers can offer a secured Ask to be added as an authorized user
credit card if a cash deposit is put for you parent’s credit card account.
up as collateral exchange.

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