I’m 18 and really wish to build some credit now. I have no clue how to approach. Moreover, I had undergone some surgery so right now I’m unable to work. I get $800 each month from SSDI as my father has some physical deformity. This will end by September and at that time, I won’t have any job. So what will I be doing with my credit card? I’ll not be getting any money to use that. Can I just cancel a card because I don’t owe anything on it? Would it hurt my credit?