12. What is the safest initial step that I can take to start building my credit? A. Get a credit card or student loan and pay the bill on time B. Create a credit plan that includes a budget, money set aside for emergencies, and the steps you’ll take to prove to the credit bureaus that you can repay money you borrow. C. Take a cash advance on a credit card and put the money in savings where it will earn interest. D. Borrowing money from family and paying them back overtime at a very low interest rate.