[fmybody]

Here's what I did:

I was in the same position as you aside from the fact that I had a doctor bill go to collections when i was 18 or 19 so i already had some negative stuff on my credit report.

I was told the same thing from BOA, in fact I was told i was pre-approved for their student card (since i was still a college student). Some how got denied for that.

Ended up going with something that was advertised in the mail (another pre approval with a confirmation number or something. Got that. APR is super high like 20% my credit limit was $300 and an annual fee for i think $40.

Point is, I was not interested in anything other than building my credit so 40 bucks a year didn't seem like much when i was approved.

20% APR is nothing because i pay the entire balance every month

Also came with a quarterly credit report (for something like 2.99 a month, which you can cancel if you want). I kept the credit report for a year to see if my score was going up, which it did after making paying my balance every month on time. it started i believe at 5xx and its now 7xx one year later.

Just a suggestion, I went this route because no one would accept me.

note: im 22 now..