Pick a starter product
Room in the month matters. The next choice is which product can actually report history for you.
With little or no credit history, many regular (unsecured) credit cards get declined. That is common — not a personal failure.
A secured card means you put down a cash deposit that usually becomes your limit. Charge small amounts, pay on time, and many issuers return the deposit or upgrade you later.
A credit-builder loan means you make fixed monthly payments while the lender holds the money and reports on-time history. You often get the funds when the term ends.
If a bank already approved you for a student or other card with no deposit, skip the deposit math and go straight to first-habits.