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Get a secured card, then it's 100% in your name. Then anything good or bad that happens is all up to you.

OK, I am in college and living with family. I have no credit history and no bills in my name. I have a substantial amount of money saved up which I could use to apply for a secured card with a good credit limit but I also have a family member willing to cosign for a low-limit card.  
  
Which would be a better option for building credit?

Co-signed or secured card to build credit?