I have seen numerous folks with no credit come to the boards and inquire why they get turned down for student cards.
In today's era, especially since the CARD Act was passed, students are faced with more denials than ever before.
I stand by my earlier advice. It is well documented on the auto loan forum that a lack of installment history leads to higher apr on car loans for first time car buyers.
Also, secured loans and cards are a safe option for a student because if they run into financial trouble they can close the account and use the deposit to cover any outstanding charges. It is so much easier to lose good credit when you are a student, and I like to see people hedge those risks with a small deposit. Also, secured cards do graduate usually, and will grow which is better than getting a toy limit card that never grows.
Best of luck to the OP!
Starting Score: 08/29/2011 TU 671 EQ 674 Current Score: TU 754 EQ 694 EX 697 Wallet: NFCU Visa Sig 25k, Amex Lowes 22k, NavCheck 15k, Amex PRG, Amex Zync, Discover It 13.5k, Amazon Visa 5k Platinum Spade Garden Club Member: App Free since 1/1/13. No more apps til who knows when? MyFICO Fitness Goal: 800s Club!